milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2017 about Mortgage (Conventional home mortgage) with PROVIDENT FUNDING ASSOCIATES (CO).
Issue: Trouble during payment process

Complaint: Provident Funding purchased our mortgage from another financial institution in XXXX XXXX. By law ( Section 6 of the Real Estate Settlement Procedures Act ), they are barred from charging a late fee for the first sixty days following the effective date of this transfer. Still, I attempted to setup automatic payments via Provident Funding 's website so that they would be paid in a timely fashion starting in XX/XX/XXXX  Apparently there was an error in the information I entered ( which their website did nothing to highlight ).
Instead, they just charged me a {$20.00} " Returned - NSF - Unable to locate account '' fee when they were not able to complete with automatic debit from my bank account. I subsequently opened a customer service case with Provident Funding, asking that the fee be waived. They declined, saying " Due to the high level of scrutiny banks and lenders face, we are left with no latitude to make exceptions and we want to ensure we have a fair application of policy relating to waiving of returned payment fees. '' I rejected their resolution and reopened the support case, noting that it was ridiculous that they would not have charged me if I had done absolutely nothing and made no attempt to pay them ( but did charge me a fee because I did and there was some issue with the info that I entered in their website -- even though their system had no features to try to note that before charging me a fee ). They then closed the support case a second time, saying again that they " can not make any exceptions to our policy of the {$20.00} returned payment fee. '' Obviously, a {$20.00} fee is n't a whole lot compared to a monthly mortgage payment. However, I am severely disappointed to be stuck having my mortgage owned by a company that does not agree that it is ridiculous to penalize a customer for trying to pay them, when they would not have penalized them for making no such attempt. 

Since they purchased my existing mortgage, I had no choice in being a Provident Funding customer. For others that do have a choice, I strongly suggest that you take your business elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Checking or savings account (Other banking product or service) with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: The credit union closed my overdraft account without consulting me. They send me emails to apply again, which keeps going against my credit. I keep on getting denied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: They left me on income based driven while I was in school three years. And will not adjust my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: I have a high interest auto loan from Santander Consumer. I had a couple financial issues but have recovered and have been making payments some twice per month to keep current. In the interim, I am also working on fixing credit. When looking over my reports, I noticed a charge off on this very account that I am making payments on, they refuse to take this off my account and say they will not do it even when the entire balance is paid. Is this seriously legal? PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: In correspondence dated XX/XX/18 I sent this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. This is the frivolous account ; XXXX XXXX XXXX XXXX Account # 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 02/27/2018 about Debt collection (Medical debt) with Focused Recovery Solutions, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I went to the emergency room at XXXX XXXX Hospital in XXXX County VA. In early XX/XX/XXXX, I received a bill for over {$3000.00} for services from XXXX XXXX XXXX ( XXXX ). 

My medical insurance provider told me not to pay the XXXX bill as it was a double-billing issue. XXXX sent the billed amount to a debt collector in XX/XX/XXXX and the amount in dispute was listed on my credit report as a collections. 

The issue was not with my medical insurance provider but with XXXX. XXXX was attempting to collect an amount not owed by me. My medical provider stated that XXXX was contractually bound to accept agreed upon payments for services rendered and nothing more.

I feel that there is an on-going fraudulent business practice by XXXX by trying to collect additional dollars for services covered ( and paid ) by medical insurance providers.

XXXX finally accepted payment in late XX/XX/XXXX by my medical insurance provider but not before I was hounded by dept collectors and a negative collections account was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted Capital One Auto Finance, several times since XX/XX/XXXX, as well as contacting the credit agencies to inform them that there are duplicate credit inquiries on my credit report. I have asked both to remove the duplicate entry. It was reported on my credit report as of XX/XX/XXXX. All I am asking is for the duplication to be removed ; however, the lending agency has ignored my previous requests.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I had a credit card with Capital one that I closed earlier this year. Part of the balance had a 0 % interest rate until XX/XX/17.  Earlier this month I made a {$500.00} payment to pay off the 0 % balance prior to the promotional period expiring. After a few days of making the payment I contacted Capital One to ensure the payment had been applied to the correct balance as I did not want to pay a year worth of interest once the promotional period expired. Long story short, when I called Capital One I was informed that the lump sum payment I made was applied to my other balance and only {$55.00} was applied to the promotional balance. I asked the rep to pay off the promotional balance, but she said she could n't as their policy does not allow them to do that. I asked to speak to a Supervisor. I spoke to two supervisors who told me the same thing. I argued that it was not fair for them to refuse to allocate my payment to my promotional balance in order for them to charge me a years worth of interest come XX/XX/XXXX, but they refused to oblige to my request/demand. In XX/XX/XXXX I enrolled in a Debt Management Plan, and they refused to enroll this card to the program stating the reason being part of the balance had promotional interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: I 'd opened a bank account for my business with Wells Fargo couple weeks ago. To do so i 'd provided all the required documents needed in order to open a Bank account. The Wells Fargo agent who opened it has failed to scan the documents into the system. As a result i kept on receiving mails from Wells Fargo threatening to close my account. I 've made phone calls to explain the fact that everything was already provided ; i went to XXXX Wells Fargo branches couple times to explain the issue. At the end, my account has been closed for failure to provide documentations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: my account is in error which is reporting 30 days late for 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 05/22/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt XXXX XXXX XXXX is attempting to collect is over Nebraska 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with XXXX XXXX XXXX after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - XXXX XXXX XXXX. If XXXX does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (TX).
Issue: Problem with cash advance

Complaint: I recently was offered a product by paypal a line of credit which isnt a line of credit. The line of credit is only advanced when paypal feels it should be

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: " Debt was paid '' was the most closely related option ; however, I did not pay the debt because the debt was/is not owed. The purported balance owed of {$1400.00} stems from a XXXX account bundled service plan that was never installed properly and never functional. I submitted my complaints and service issues directly to the XXXX XXXX supervisor, XXXX XXXX, who should have XXXX the account balance or directed Customer Service to do so based on the breach of contract on the part of XXXX XXXX XXXX. I have heard absolutely nothing else from XXXX or the collection agency who contacted me under XXXX weeks from the final cancellation and resolve of my account. Recently, XXXX notified me that XXXX had sold this account to said Stellar Recovery Inc which appears on my credit report ... but the initial collection agency to which XXXX sold this account was said XXXX XXXX XXXX ... Today I dropped by the XXXX XXXX XXXX XXXX branch to give them another opportunity to properly resolve this account to a XXXX balance and update these collection agencies to whom they illegally and unethically sold this account, but according to " XXXX XXXX '' - although there are innumerable service issues noted on the account from the beginning until the end and depsite the {$1400.00} being directly associated with installation and service fees, he refused to issue any credits to the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: I have my HSA and XXXX accounts at Wells Fargo and called them around early XX/XX/XXXX to retrieval my login info. I was told that I have other accounts with the bank and asked if I wanted to reconcile my accounts. When the operator tried to reconcile the accounts, it was unable to do it because the other account ( XXXX ) opened on behave of me did not originate from me. I then went to branch office and submitted my identity info and ssn copy and was told that they will investigate if this is an identify theft and give me a report. I did not hear back as of XX/XX/XXXX and called them again. This time I was transferred to their ID theft dept. I raised the issue again and they finally called me back XXXX days after. I was told that it was an internal error and not an identity theft. When I asked for a report, they refused to do so. I think that they should give me a report on why my name and ssn was used for opening accounts for other person? how it happened?

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (MO).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I bought some pens and when I paid my check bounced. I have asked repeatedly for the original check back ( my bank does not have it ) as I do not want to pay again and have the first check deposited again. These requests have been in writing. The pen company sent my bill to McCarthy , Burgess & Wolff , Inc. Ref # : XXXX. I sent them the attached email telling them not to call me. They just called from a blocked number. I told them I sent them a notice to not call me and she said she did not get it. It was received and they replied to the email, I have attached both. I offered to return the unused portion of the pens for a full refund which I will be happy to do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with Credit Corp Solutions Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For the past month I have been in constant contact with XXXX from XXXX XXXX XXXX. I explained to XXXX as well as two of his managers that this debt was incorrect due to me paying it off. XXXX then proceeded to tell me I owed over {$2000.00}. I again explained that this debt was incorrect. I also told XXXX to stop calling me as well as sent a cease and desist letter to his company. He then threatened me with legal actions stating that their law department wouldn't be as nice as he was. 

XXXX then proceeded to call me three more times since then. On the third time,XX/XX/XXXX, I asked them to provide information that showed that this was my account, mainly a signature or some type of agreement. They lied and said they had that documentation and it was my account because they had everything. They proceeded to send me multiple bills all with my name along with the WRONG address. They never sent me the documents I requested and never did their due diligence of proving that they were indeed contacting the right person. I explained that this was not my address and I have not lived there in over 8 years so it was impossible for me to have opened that account ( this account was opened 3 years ago ). 

I continuously stood my ground while they took turns asking me questions like " why did you stop paying? '' " Did you lose your job? '' " Did you have a baby? '' Each time I explained that this was not my debt and that was not my address. They then asked me why I didn't update my account so they bank could get in contact with me. I'm not sure what was going on on their end but I have never been harassed so much by a company in my life. If the information is incorrect and I can show documentation of my address which will show that this is not my account, why not due research to see if maybe there was an error or maybe even identity theft? Either way this line of questioning continued for 30 minutes and it resulted in the manager threatening me with legal actions over an account thats not mine! Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Billing disputes

Complaint: Just signed up for a new credit card for a second optional card for both myself and husband. It was Bank of America, XXXX XXXX Visa. Used it less than 2 months and I sent in one payment in full that was done by bill pay from my bank. The bank says they sent it, Bank of America says theydo n't have it and I am out the money but being charged a late fee and a {$75.00} user fee per card even though I cancelled the XXXX cards, plus they want the {$150.00} again.

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 03/29/2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (NV).
Issue: Shopping for a loan or lease

Complaint: we received in the mail ; Make home affordable which they stated would take almost XXXX what we owed lower house payment to XXXX a month just follow rules on card. You had to be late on home, payment wise it seems this was a scam. So I went to NFCU to try to get home loan caught up. The girl at the bank sat there as we were waiting for a answer, I was also willing to use my paid off XXXX Toyota as collator. As the girl in bank was laughing at what was suppose to be a loan, I was denied. I hope people like her, one day happens to her .It was bad enough to get scammed let alone where you do your banking was just as bad.Dont assume your bank is there to help you. Infact it all started with a complaint against the bank. Someone was trying to use my DEBIT card all over the world, I asked for paperwork on where exactly this happened I was denied.This all started over the theft of Tmobile phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was on an Income Based Repayment Plan ( IBR ). I sent my documentation to renew on XXXX XXXX, 2016 so it would reach Navient before XXXX XXXX when my payment was due. I am unable to make full payments as I work only part-time. They did n't process my documents, so on XXXX XXXX I uploaded it to their website at www.navient.com and the next screen said it would be processed in 5-7 business days. I also emailed customer service that I uploaded it so they knew it was there to process. I never received a reply, and my request for renewal of my IBR has been ignored. I emailed customer service a second time on XXXX XXXX asking them to please process my documents and renew my IBR so that I can make a payment. I did not receive any reply to that email either, and my request and documents still have n't been processed. I postal mailed my documents to them again ( this makes three times I have provided my documents to this loan servicer ) on XXXX XXXX and they still have not processed them and adjusted my payment to the IBR amount so I can make a payment. They call my cell phone every day with a robo caller and dun me for payment, which costs me money, so I blocked their calls to that number. They have my home phone number, yet they do n't use it to get in touch with me and get this straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My servicer was XXXX, I submitted an application and went through the process. My file was sent to the Underwriting Department on XX/XX/XXXX and I was expecting a decision by XX/XX/XXXX. There was a service transfer and my loan was transferred to Seterus on XX/XX/XXXX but I was not advised by XXXX until after XX/XX/XXXX when I spoke to one of the Supervisors in their Loss Mitigation Department. Seterus is now requesting for me to re-apply all over again to start the process again. It is absurd that I have to do that since I started the modification request on XX/XX/XXXX. Because of the handling of my loan and modification request I have now wasted 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On my Equifax Credit Report, the account " XXXX XXXX Bank '' should totally be removed. It was already removed from XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.

Company response to consumer: Closed with explanation