milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2016 about Payday loan () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Applied for loan/did not receive money

Complaint: I have no idea how I could owe this money. 
There is mortgage ( or apparently several ) on my house. I have made XXXX payments to my first mortgage and now owe more than I borrowed. I am certain that I have paid at least {$400000.00} more than I owed. 

I have tried everything. I have written dozens ( maybe 100 's ) .of complaints ; with ; CFPB, independent foreclosure review, attorney general, comptroller of cuttendy HUD met with attorneys spent lirally weeks of 24 hour days on the phone with the now 7th services. 

Her are the details Purchased XX/XX/XXXX Price {$280000.00}. 
Down payment XXXX Loan amount {$210000.00} at 7 % Refinanced XX/XX/XXXX {$220000.00} ( escrow shortage ) 6.5 % Same lender- Fleet Problems : double statements late fees ... 

Refinanced XX/XX/XXXX to payoff {$38000.00} second at 8.5 % and a balloon paid to approximately {$21000.00}. ( XXXX interest statement {$1700.00} ) reduched to 6.125 Countrywide reduced to 5.875 XX/XX/XXXX Refinanced XX/XX/XXXX -again problems latennotice and not late Bank of America Again XX/XX/XXXX interest only. {$260000.00} 4.3 % XXXX Somebody owes me {$460000.00}. 

XXXX we do n't owe means {$200000.00} just DISAPPEARED. 
I want the CFPB to figure out where it is. And I want the full amount refunded directly to me. 

Bank of America offered me two loans in XXXX. 
{$420000.00} on my house and {$200000.00} on my duplex. 

I did not accept this offer. I did n't sign anything, nothing was refinanced AND I DIDNT GET ANY money! 

They owe ME {$620000.00}.

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 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I been sick since 2014 and went on a medical XXXX. Because of a drastic change in my income for my household I fell behind all bills. I was not aware of the contract I signed with XXXX for home security when I was told differently that it was trial promotion. Because of my medical XXXX I have been very forgetful with my memories lately and it 's hard to make decisions when needed to. With that being said I did try to make payment arrangements and I failed to keep them because I forgot to put it on my calendar. I was supposed to get a call reminder but ca n't remember if I ever received one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (SC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX, I deposited a check via BB & T s mobile banking app. It was set to be released on XX/XX/XXXX. On XX/XX/XXXX, I realized I was hit with 6 overdraft fees. I spoke with someone in my local branch ( XXXX, SC ). I was informed that when I submitted the check, instead of them not making the funds from the check available, the deduct the amount of the check deposited from my available balance. Not only did they deduct that amount, but they sent my account into a negative balance. Meaning any bill payments set to post on that day, received an overdraft fee on XX/XX/XXXX. I had funds in the account to cover any purchase/bill payment prior to depositing my check. Now they will not waive those overdrafts. They also took my entire first check causing me to be late on house bills.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (FHA mortgage) with Selene Finance LP (AL).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased our home in XXXX with the mortgage originally serviced by XXXX, XXXX and XXXX which was sold to XXXX XXXX XXXX in XXXX - and never reported late by either company. 
With XXXX XXXX XXXX, we were not considered late until the XXXX of the month. We paid no later than the XXXX of each month. 
The mortgage was sold to Selene Finance who has reported us as being 30 days late on multiple occasions. We have attempted to pay within the 15 day window via their website - which regularly throws error messages or logs us out. I 've worked as a XXXX XXXX for more than 10 years and can say without a doubt, it is the most poorly constructed public ecommerce site I have ever encountered. We have called them on several occasions and are told that we are on the same pay schedule as when XXXX XXXX XXXX serviced the loan and to " pay just as we did before ''. 
We receive threatening statements in the mail stating that we owe a " corporate advance '' of {$1000.00} in addition to our regular payment - yet when we log in to selenefinance.com our account appears to be current. 
I am requesting that Selene Finance remove all delinquencies from my credit report and stop mailing threatening statements with erroneous charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Data Systems (NC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XXXX XXXX, 2015 I mailed a certified letter to Financial Data Systems requesting a cease of communication notice. The return receipt was signed on XXXX/XXXX/15 by a XXXX XXXX XXXX. I received multiple calls after the letter was signed for. 
I also explained to the credit agency that I have not missed a payment, nor was I late EVER with a payment to their client. When I reported that to them, they claim their client is proceeding with collections even though I 'm not in default in any way to our existing payment agreement. 
And there were fees in the amount of {$370.00} additional added to the balance of {$1500.00} I owe their client. They can not justify the additional charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened numerous accounts that were unauthorized starting approx. XXXX, including XXXX credit card. One time a significant amount of money was transferred into my new account. I brushed it off as employee incompetence, and because I had a large number of automatic withdrawals coming out of that account each month, chose not to change banks. 

After hearing that Wells Fargo did this millions of times, I called to have my account closed immediately. I had a previous issue with overdraft fees being charged that should not have been charged, and an unauthorized transaction in the amount of nearly {$4000.00}, so I was overdraft at the time. On Sunday, XXXX XXXX, XXXX, I called to finally close my account. I told them I had been the victim of the fraudulent schemes and was sick of being charged overdraft fees for unauthorized transactions. They refunded enough fees to get my account to a balance of XXXX and told me it was closed. 

I wanted my account closed immediately due to fraud, and notified the multiple companies whose payments were debited automatically from that account, however most told me that the pending payments could not be stopped. Wells Fargo in fact apparently did NOT close my account, and charged me, as of today, nearly {$1200.00} in overdraft fees for these transactions I was not able to stop. ( The whole reason I went to the trouble of closing my account was because they committed fraud and forgery to begin with, which was their doing to begin with. ) After calling their customer service number, I was told they would waive approximately 15 % of the fees. I told them I was n't paying any of the fees because I had to immediately close my account due to their fraudulent activities and could not stop the automatic payments. Furthermore, I do not understand how a " closed '' account could incur those fees. They accused me of not having closed the account, even though all my other accounts were closed that day, and I have phone records to prove I was on the phone that day XXXX XXXX XXXX ) with them. Furthermore, they credited exactly enough fees to bring my balance to {$0.00}. They accused me of lying. My wife heard the conversation as well. 

Finally, I began receiving autodialed calls trying to collect the overdraft balance that I do not owe. I told Wells Fargo they were harassing me and I did not ever wanted to be contacted by their bank again, for any reason. They responded that they took my phone number off the account but that I may receive future calls because my account is overdraft. I responded that I would sue them for harassment if they did not leave me alone. 

I want my account CLOSED, the fees that I DO NOT owe taken off, and I want Wells Fargo to stop harassing me immediately. Further, I want compensation for all the time I have wasted the past 3 years dealing with their fraudulent accounts and fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WI).
Issue: Fraud or scam

Complaint: I received an unsolicited call from an XXXX sounding man stating that my internet security company is now out of business and wants to refund the amount I paid. After much information was exchanged he requested that I allow him access to my computer to see what banking deposit info was needed to refund my money. After that he told me that he had input the wrong amount and he would lose his job if I did n't refund him back the extra amount he had deposited in my account. I went to the bank and had the deposit confirmed and withdrew the extra amount and sent it to him via MoneyGram which he gave me info for. He said send to country of XXXX to person named XXXX XXXX. After some second thoughts and checking with my bank I found that he had transferred money from XXXX of my other accounts into the one he said he was depositing my refund to. I also then checked and found my supporting internet company was not out of business and stated I was definitely scammed. Now I am searching for a way to reclaim my money and prosecute the perpetrator, and am working with local police, MoneyGram my bank and credit card companies of which he has also fraudulently obtained money. You can request any more information you may need by e-mailing me at : XXXXXXXXXXXX or calling my phone and/or leave message at XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: [ RE : Capital One Account ending in # XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. A Police Report was filled with The XXXX Police Department on XX/XX/2017 with Officer XXXX, Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was the victim of Identity theft for a period of 5 years there were many accounts opened and many inquiries that I did not authorize. I have reached out to the credit bureaus who referred me to the company who pulled the report. After trying to resolve this with the companies directly unsuccessfully, I reported the Identity Theft. I rarely use credit and to this date only have 3 authorized credit accounts. Now that I need to use my credit to guarantee a business loan for the XXXX XXXX I own, I can not due to the negative information that is in my file that was not done by me. One of these inquiries resulted in an account being opened with XXXX XXXX XXXX. XXXX XXXX XXXX  has already removed the account from my file due to the fraudulent activity.

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 11-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: A dispute was filed against XXXX XXXX charge from X/XX/2017 2017 for merchandise or service not as paid for. Initially in attempt to save themselves work BOA dissuaded me from filing the claim but I changed my mind and asked XXXX in Arkansas to file the claim. He did not. His negligence let to a dominoe scenarios where my bank account was over drawn and charges were files all of which are the responsibility of XXXX not following through with filing the dispute. All the over drafts and subsequent fees lead back to XXXX decision to not do his job. Seeing as the XXXX and I have XXXX XXXX documented as misleading me this is clearly ended up in court with a special case against XXXX XXXX specifically and and extensive civil case against BOA I will just keep memorializing the assort torts that BOA and XXXX XXXX continue to inflict on me. They certainly are added up. I ask as that the instant credit from the XX/XX/XXXX dispute be deposited immediately and that all resulting fees be recinded. Good day.

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 11/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: ON THE ADVICE OF MY ATTORNEY, I AM FILING ANOTHER COMPLAINT REGARDING THE SERVICING OF MY LOAN. IT APPEARS THAT SPSERVICING IS STATING THAT I DID NOT MAKE MY XXXX PAYMENT, HOWEVER ON XX/XX/XXXX THEY RESPONDED TO YOU THAT MY LOAN WAS CURRENT AND ONLY DUE FOR THE XX/XX/XXXX PAYMENT. THEY ALSO CLAIMED THAT THEY WOULD FIX MY CREDIT AND ALSO APOLOGIZED FOR ANY INCONVIENCE THEY CAUSED ME IN THE YEAR OF XXXX. HERE I AM AGAIN TRYING TO GET SOME HELP TO GET MY MORTGAGE AND CREDIT FIXED. WHEN I CALL, I AM TOLD THAT MY XX/XX/XXXX PAYMENT WAS NOT MADE. I WAS ALSO TOLD THAT SPSERVICING HAS BEEN REPORTING ME A ROLLING 30 DAY LATE ON MY CREDIT REPORT. I AM ALSO FILING A WRITTEN COMPLAINT AND SENDING IT DIRECT TO MY HUD OFFICE. I HAVE NUMEROUS COMPLAINTS ON FILE AGAINST THIS SERVICER. I AM ATTACHING PROOF THAT MY XX/XX/XXXX PAYMENT HAS BEEN MADE AND THAT MY XX/XX/XXXX PAYMENT HAS ALSO BEEN MADE. PLEASE REFERENCE XXXX TO BETTER UNDERSTAND WHY I AM FILING THIS COMPLAINT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a XXXX time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIDELITY CAPITAL HOLDINGS, INC (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted XXXX XXXX XXXX. My initial call was made over 30 days ago in late XX/XX/XXXX. This collection agency has 2 duplicate charges from XXXX XXXX in XXXX KY on my credit report, that I requested to get removed. One for {$3900.00} and the other for {$3800.00}, both with a principle balance of {$2600.00}. I was advised that the duplicate could be removed after a 30 day investigation, even though the rep that I spoke with advised that they placed the charge on my credit report twice himself. Both charges hit my Credit report in XXXX on in XXXX and the other in XX/XX/XXXX. XXXX XXXX also placed the account in collections with National security systems as well, so in actuality I have 3 marks on my credit for the same exact thing. I have contacted XXXX and XXXX as well and seem to be getting nowhere with the removal of these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: My detailed hardship letter does not fit here and is submitted with my other documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (IL).
Issue: Credit decision / Underwriting

Complaint: My daughter an I applied for a mortgage with Third Federal Bank. We hold joint title to the property which she occupies as her primary residence. Third Federal was duly aware of the occupancy situation and that I did not reside at the residence. After subjecting us to the application process and collection of documents, they declined the mortgage based on the reasoning that I would not be residing at the residence ; clearly a fact that was made apparent when we first talked to them

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We received a letter dated XXXX XXXX, 2015 from the XXXX County Treasurer stating that our current taxes on parcel XXXX had not been paid. The letter stated that fees and penalties had been applied and if payment was not made by XXXX XXXX, 2015 our names would become public notice for delinquent tax payments and further sanctions would occur. We contacted Green Tree Servicing company which is handling is now servicing our mortgage on XXXX XXXX, 2015. We explained the letter and made mention that our XXXX statement reflected a notice that County Taxes were distributed XXXX XXXX, 2015. The customer service representative confirmed that distribution date and stated it would take TWO weeks for someone in the tax department to review and respond and that would be on XXXX XXXX. We followed up with XXXX subsequent phone calls on XXXX XXXX and XXXX XXXX, 2015. We were told today that there had been no resolution and it would now be escalated to a Supervisor and we can call back on Friday, XXXX XXXX for a status. This is not acceptable by any means!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have three items on my credit report all three do not belong to me and I have no idea where they came from, please see below. 

XXXX # XXXX for {$1600.00} XXXX # XXXX for {$430.00} XXXX XXXX # XXXX for {$370.00} None of these belong to 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 12/29/2016 about Debt collection (Auto) with Viking Client Services, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from a Company named Viking ( see attachment # XXXX ) claiming I owe them {$400.00} for damages I would have incurred when renting a car with XXXX in XX/XX/2016. As it can be seen in the receipt from XXXX, I returned the car with no damages noted XXXX see attachment # XXXX ). Between XX/XX/XXXX, date of the return, and the letter from XXXX, XX/XX/XXXX there was no correspondence from XXXX mentioning damages or any other problem with my rental. Besides, the letter does not provide any detail on the damages caused, nor how the determination was made I was responsible, despite the fact XXXX did not notice any problem when I returned the car.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation