milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I took out some loans, with XXXX XXXX that changed to Wachovia that changed to Wells Fargo. The XXXX on XXXX/XXXX/XXXX making XXXX payments fixed rate 11.89 %, the XXXX on XXXX/XXXX/XXXX making XXXX payments fixed rate 11.74 % and third on XXXX/XXXX/XXXX making XXXX payments fixed rate at 8.46 %. All small loan amounts. 
When the last payment was made on the XXXX loan, we got a letter in the mail that said we needed to pay additional fees before they would send us the title. I questioned the reason and they would not give me any documents or what the fees where other than that if I did not pay the money, they would foreclose on the property. So I paid the fee. 
The XXXX loan payment will be paid off this month and I received a letter in XXXX saying that our load was maturing, but I noticed that the amount owed was too high for XXXX more payments. So since XXXX I have been requesting why so high and what are the additional fees of approximately {$2000.00} that is due on the loan as we have a fixed rate and not a balloon payment nor late since the bank has debit every payment out of our checking account. 
Now the XXXX loan, I have been going to the bank and calling since I found out in XXXX that some how the bank made an error and allowed some XXXX in Arizona to changed our loan instead of a different loan as someone got our accounts mixed up. I have been trying to get it refinanced through them to get it paid off quicker and get the interest rate lower to fix what ever was done to the loan as the amount of what is owed has not gone down hardly at all in over 15 years. 
I finally pulled out all my paperwork and found out that Wells Fargo has been handling my loan not with the fixed rate which is in all my documents but as a DSI loan. Daily Simple Interest which is compounded differently. I had to XXXX DSI and talk to a lawyer to find out what that did to my loan, which explains why they were charging additional fees and why my XXXX loan was not going down. I have repeatedly requested a copy of all my payments and documents on file of all XXXX loans, and they only have information since XXXX, and only received this week the payments for the XXXX loan. It also shows that when they started documenting in XXXX they showed additional miscellaneous charges of up to {$1000.00} at a time. I call every week XXXX to XXXX times a week and am getting the run around, with no XXXX able to tell me why I owe additional fees or why the payments is not going down, but staying the same. I know that if they did this to me on XXXX loans that there are most likely a lot more in the same situation. The bottom line is this is not just fraud, but since the companies main office I have to deal with is in Arizona and no one in the local office can help me as they have to call Arizona, it should be considered a federal crime of fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have no idea what this debt is for. I was never contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My income went down by $ XXXX in XX/XX/XXXX ( joint taxes filed with my wife ), and yet my student loan increased ( On Income Based Repayment, my loan payment increased from {$280.00} to {$530.00} - an increase of about 85 % more. They always ask for your Tax forms in XX/XX/XXXX ( instead of after XX/XX/XXXX, which would make more sense ), so since XX/XX/XXXX I have been calling them and trying to get them to explain this increase. The had me submit paycheck stubs, fill out paperwork 4 separate times ( one time an employee there filled out the paperwork " correctly '' and said all I had to do was sign it and mail it back in, but the next person said that paperwork was wrong ). I initially filed for the month deferment when I objected to the new payment amount, and they needed time to recalculate it. Now, after 5 months, no one is still explaining why my payment increased, but they say I am ineligible for another deferment because I already had one, so the choice is now pay the higher payment, or be penalized. The only nugget of information I got was that they calculate my Income Based Repayment based on the GROSS income ( so before taxes, social security, health insurance, etc. ). Every time I have called they state there is no supervisor that I can talk to. I 'm fed up with Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Name is incorrect on report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a prvious complaint ( XXXX ) about my mortgage servicing company holding extra funds earmarked for principle reduction in a non-interest bearing account. It took them five months and your complaint to get the funds applied. The following exceprt from a letter dated XXXX/XXXX/15, that I received from Ditech, " When an account is in active bankruptcy, Dtech can not apply overage payments to principal without court order and trustee approval. Additional funds would need to be considered by the trustee and possily result in a new bankruptcy payment plan. '' Is it Ditech 's perogative NOT to notify the trustee? If this preposterous statement is the truth then they are in violation with full admission of knowledge of the rules by the statement from their letter! The mortgage company ( there have been somany I wold have to research who held he mortgage at the time the of the filng ) was only used in the " means determination '' for our bankruptcy. It was our intention from day 1 to meet this obligation. We did so with 60 consecutive on-time payments to both the mortgage company and the bankruptcy trustee. Our payment plan which we completed sucessfully repaid all of our includeed creditors in full. Recently, I received a telephone call from Ditech collections about a " partial '' payment. They wanted an electronic payment over the telephone with a service charge. The loan that Ditech services assumed was an interest only payment which just recently went to interest and principle. Ditech never notified us of the change. Their claim is that they could not tell us because it would violate bankruptcy law if they contacted us about a debt. The bankruptcy was discharged XX/XX/XXXX and we just got our first regular statement form Ditech. I requested a payment history from Ditech for the bakruptcy period ( 5 years ). They claim that they have only serviced the loan for two years and can only provide a two year payment history. In this age of electronic records it is hard to believe that a payment history would not follow an account from financial institution to financial institution. 
I believe these practices to be both irregular and illegal. To claim that by " magic '' ( without any notification requirement by the mortgage servicing company ) I was supposed to know the new payment amount. This company is an affront to any sense of fair play or customer service. I am dealing with thm with no chice in the matter or any recourse!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I placed an order for furniture from XXXX XXXX XXXX ( Phone XXXX ). Chase Bank prevented me from using my bank card by setting daily limits. I then placed an order for furniture ( XXXX and XXXX ) with my Chase Bank account XXXX, Check # XXXX. The sales representative XXXX XXXX added a person 's name ( XXXX XXXX ) to the check instead of the furniture store 's name, then cashed the check. Needless to say, he has not delivered the furniture, and he no longer works for the store. I contacted Chase Bank and reported the fraudulent check, and they asked if I wrote it. I told them I wrote it but XXXX XXXX added the name. Chase refused to reverse the transaction despite my complaints. I then called Chase to get the name of the bank the check cleared through. Chase informed me they DO N'T KNOW what bank cleared the check, and DO N'T HAVE have any identity of the person who cashed the check. They refused to refund my money in the amount of {$2800.00}. I want a refund from Chase because not only do refuse to open a fraud case, but they neglected in processing the check. The check was not written to the correct party and Chase has no documented evidence of who cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Medical) with CL HOLDINGS LLC (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Repeated calls after being on the " DO NOT CALL LIST ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: I ' am have a problem with M & T Bank, now my husband and I do not have that much money to speak of but for some reason M & T is charging us over draft us overdraft fees of {$38.00} for transactions that should come out when you make that transaction and when I check it on line it is pending, but the next time I check which sometimes is the next day or few days after we are charged these fees for overdrafts. I do my banking online and sometimes I get message stating that the on line banking will be down because of updates and every time this also happens I get every more overdrafts, we also get overdrafts on the same day that my husbands direct deposit goes in even if it is with in mins of the transaction happening. So last week XX/XX/2016 I got my XXXX check there was two hundred and some $ of overdraft fees which crossed as my check was being deposited. It seems to me it is every time we have a direct deposit or they do an update it costs us so much money and I thing this should be checked out, I did call their service department and asked them why this was happening and she said " I do n't know what you want me too do you need go in and talk to someone at your bank " will why are they called the Customer Service Department? Like I said in the beginning we do not have that much money and we come really close in my banking but it is coming to much of a pattern and I think this should be looked into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Credit decision / Underwriting

Complaint: I have my mortgage with Chase. In the many years I have had my mortgage with Chase I have never paid my mortgage late until last XXXX 2015. Because of family medical issues I paid my mortgage 2 days after the grace period ended. 
I requested a " good will adjustment '' from Chase the week before last and received a letter today indicating " We ca n't update our credit reporting ... to the XXXX major r credit reporting agencies ... We 've confirmed that we 're reporting information about your account correctly. '' This particular late reporting to the credit bureaus is making it very difficult, if not impossible to get a mortgage for a different house. 
I have back up documentation to illustrate these statements. 
I am requesting your help in getting this rectified so that we can qualify for a mortgage for a different house.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Medical) with FIRST FINANCIAL SERVICES, INC. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I pulled up my credit report and realize that first financial resource, Inc. Is reporting a debt of {$630.00}, the original creditor is XXXX, I contacted the original creditor and they told me that the debt is too old and it 's not in their system anymore because first financial resources took it over. So I contacted first financial resources Inc. and I let them know that I have insurance and it usually covers all my medical bills. They told me that maybe I did n't have insurance at the time of the service. I then contacted my insurance company which is health safety net I spoke to XXXX she confirmed that I had insurance from XXXX XXXX, XXXX till XXXX XXXX, XXXX and then I renewed it XXXX XXXX, XXXX to XXXX XXXX, XXXX. The service date from skin pathology laboratory was on XXXX XXXX, XXXX and also XXXX XXXX, XXXX. Which means I was covered during that period of time. So then I called first financial resources to explain to them that I was covered during that period of service but they told me that maybe the doctor sent the XXXX outside XXXX XXXX XXXX therefore the hospital is not responsible for this bill. Please understand that I am a XXXX I have been treated a XXXX XXXX XXXX I have had over XXXX XXXX done at the XXXX without any problems from XXXX until current time. I have had XXXX XXXX XXXX and XXXX my insurance always covers me I believe that the doctors office failed to bill my insurance instead they sent that to the wrong address, I was not aware of this debt and its 6 years old. But they feel that it 's my responsibility for their mistake. The type of XXXX I was diagnosed with was due to stress I 'm XXXX free now I beat it, but this company is putting so much stress on me and ruining my credit. I 'm starting to worry about my Heath and getting sick again. I do n't think this bill belongs to me and if you did I want solid proof so I could submit it to my insurance company ( no just a copy of a bill ). Thank you very much for your help.

Company response to consumer: Untimely response
Consumer complaint received 07/17/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( XXXX, XXXX, and Equifax ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from XXXX stating that they will not re-investigate the accounts due to already being investigated once and talking to XXXX over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates. ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Penny Mac consistently misapplies my payments. I generally pay more than the minimum. They apply it all to principal, add late fees, call me for payment, when the full amount+ is always sent in WAY before the due date. Then I have to spend too much time on the phone getting fees reversed and explaining to them how to apply the payment correctly. If it didn ; t cost me money, I would switch companies in a heartbeat.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I found a late payment on my credit report for XXXX 2015 for Nationstar Mortgage, even though XXXX was not there back a few months ago. 
I called Nationstar and they told me that they took part of my payment ( about XXXX ) and applied it elsewhere, so then there was not a full payment for the mortgage. They never told me they were doing this, or notified me, and they kept the full payment of approximately XXXX, which was credited from my bank account. 
XXXX XXXX told me to fax her the proof directly of my payment two weeks ago, which I did. I have not gotten a response so I faxed another letter yesterday, still no response. 
I called today and talked to XXXX in customer service who said that she saw nothing in my file. She tried to get ahold of XXXX but no luck. Now she told me I have to re-send everything to their research department and that she can not help me. 
They have a different department for every issue and no XXXX talks to anyone else so it is like starting over with an issue every time you call. 
Nationstar did something similar when I first opened my loan. I sent a cashier 's check for a large amount of money for my escrow account, and they applied it all to my mortgage, then tried to charge me interest. It took me over 3 months to get the situation rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Bank account or service (Savings account) with BANCO SANTANDER PUERTO RICO (KS).
Issue: Using a debit or ATM card

Complaint: XXXX in XXXX is abusing elderly clients who use their customer service because they believe the states of our nation are unrecognizable and those of us whose accounts are compromised, they will never deal with ones complaint because they feel XXXX is a foreign country.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with CITIBANK, N.A. (OK).
Issue: Other

Complaint: I am applying for a loan to buy a new house and my loan officer reported to me that there is a delinquent charges more than 30 days on XX/XX/2016 and 60 days on XX/XX/2016 for some credit card ending in XXXX that is issued by CBNA and he gave me a phone number XXXX, which I have called and stayed with them for at least 30 mns and they could not find any credit cards that was issued to me using both my name or my SSN or even my phones so they switched me to fraud department which could not find anything either and then I talked to few supervisor in CitiBank who could not help me at all, I do not have any cards and i never had any cards that ended in XXXX, I need help please, my home loan is depenedent on this ... the phone number that was listed on the consumer credit report was

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello I just made a large payment of {$260.00} to my  XXXX  ca rd two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.

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 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested my annual free credit report from TransUnion but they refused the request because there is an open dispute. Is that within the regulations?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation