milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial has misapplied payments we have made. The assigned representative will not return repeated phone calls. They are now showing us like 4 months past due and I do not find that to be true due to the fact we have made payments, they have just applied them incorrectly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Central Financial Control to validate a collection they are reporting on my credit reports from XXXX/XXXX/15 to XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important 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 10/14/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (NM).
Issue: Deposits and withdrawals

Complaint: I bank with Rushcard prepaid services and on Monday they went through a system update which left me with not being able to use my car for XXXX - XXXX hours while the update was taking place now the update is over and I still can not access my account I can not get in contact with anybody and customer service all my money is in my bank account I can transfer funds I ca n't deduct my money from the atm I 'm not able to do anything my direct deposit goes in tomorrow which is XXXX XXXX I need to pay my car payment and I need gas I need food on the table

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted disputes with all XXXX credit bureaus on XXXX XXXX, 2015 regarding incorrect information on my credit report. The only response that I received was from XXXX and it was a letter stating that they believed they received a suspicious request regarding information on my personal credit file. I followed up with XXXX and was told to submit another dispute. I submitted another dispute on XXXX XXXX, 2015, addressing the lack of response from Equifax and XXXX and also addressing the letter from XXXX regarding the information I was disputing. I still have not received a response from any of the credit bureaus with regards to the results of their investigations and it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In 2007 I opened a bank account at the age of XXXX with wells fargo. I was constantly badgered about opening a credit card account by bank tellers but always declined. Later that year I accidently overdrew my account with a purchase but quickly added money to my account. Without my knowledge a credit card account had been opened in my name with wells fargo and an automatic overdraft protection transfer was made from this line of credit without my knowledge. I never received a credit card in the mail, I never heard mention of it, and I never saw a tab from a credit account on my online banking. YEARS went by and my delinquent credit amount of maybe XXXX dollars remained. I received no notices about by email or physical mail. I eventually met with a banker to check my credit score and he saw the strikes on my credit and the now XXXX $ that had accrued in interest and I quickly paid the fees to stop the bad credit and closed the account. I was unsure of how this could have happened and they said I opened a credit card. When I asked to see a where and when I could have possibly signed up for a credit card that I know I 've never wanted because of my hatred for the badgering I constantly received I found that in 2007, if an account holder was under XXXX the banker could sign a user up solely with a verbal confirmation and without a signature. So no proof exists of me wanting to sign up for a credit account except that some teller said I wanted the account. I never had and never will want a credit card account with wells fargo. At the time I was unsure of what to make of all this until I learned of the huge scandal that wells fargo was involved in. Now I realize I was taken advantage of and want my money back along with any interest. I went into a branch office and they said it was too long ago to have records of proof of the money being taken out of my account. I do n't believe I paid the balance until only a few years ago though so I think it should still be in my account. I do n't trust them and am afraid they will just try to delete any proof that exists. I know my case is a small XXXX but any help would be greatly appreciated! thank you -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 non-monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have a contract with American Education Services ( AES ) however they are reporting on my XXXX Credit Report that I owe a debt. In addition, I have requested a full validation of alleged account that is being reported and XXXX completely ignored this request and certainly did not respond to the request within in the 30 day required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Settlement process and costs

Complaint: Complaint Description : Nationstar is basically making it impossible to finalize my HAMP loan modification after doing everything they said. I received a pay cut of about XXXX % back in XXXX 2015 and my wife ( at the time ) lost her job in XX/XX/XXXX. At that time, I applied for a loan modification. Made all trial payments on time, and since XX/XX/XXXX, there is always a reason they can not finalize it. Now, we had agreed if I made a payment by XXXX XXXX, and another by XXXX XXXX, they could finalize it. On or around XXXX XXXX, I scheduled my payment my payment to be taken from my account on XX/XX/XXXX. I was then told they needed a code and could not process the payment and would call me back. After not receiving a call, I called them and told me I needed to speak with my loan specialist. The problem is, Ive never been able to get a hold of her, even after numerous messages. When you call Nationstar, it goes to her voicemail everytime and you have to press 0 to speak to a representative who knows nothing about my case. I kept calling saying I need to make a payment and once again, someone would call me. So I logged online to try and pay and for they first time every they blocked me from making a payment online. The thing is, I got a new job and could easily make the payments, but it seems like they just want to foreclose and I 'm not sure why. What they are doing is wrong-I 'm trying so hard, but they are literally making it impossible. If I was n't paying a divorce attorney, I would get one because there is no way they are following legal procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax, XXXX of the XXXX credit reporting agencies refuses to remove outdated information regarding a chapter XXXX dismissal that has been over 7 years. The XXXX other credit reporting agencies ( XXXX and XXXX ) has already removed this item. Equifax claims that their policy is 10 years for non-discharged OR " non '' dismissed bankruptcies, however I believe that several of their employees is not reading their policy correctly due to the writing of this policy. The outdated information on my Equifax report shows a Chapter XXXX that was dismissed in XXXX XXXX, 2007. It has been almost 8 years and still showing only on my Equifax report. There should be no reason why they can not remove it as the bankruptcy filed was never adjudicated. There has been indication that a handful of people have been able to successfully remove this same issue and it seems like it depends on the Equinox personel working on the case. Why is it so inconsistent and the company does n't seem to communicate their company policy with every employee. I have failed XXXX already so it seems like my luck is not on my side. Please help! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I made FIVE purchases from XXXX with by Barclay XXXX XXXX Credit Card, totaling {$4800.00}. All of those purchases coded as purchases - no problem. 

On XXXX/XXXX/XXXX I made a {$5000.00} purchase on my Barclay Arrival Plus Card from XXXX ( same merchant ) - and I was charged {$250.00} for a cash advance.

I contacted Barclay and got a stock response - but no reason why the coding changed all of a sudden and without warning - costing me {$250.00} in fees. This is an unethical thing that Barclay Bank is doing to the consumer, especially considering less than a week before, multiple purchases were made from the same merchant with no additional fees.

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 04/28/2017 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: I am filing this complaint because I feel li ke wells Fargo has cost me lots of money with my overdraft fees telling me I needed multiple accounts to manage my banking and now I am broke and owe credit card money visa I want help and an Audit on all the accounts that wells Fargo opened up under my  name I can give you all accounts that I have known about about that they opened up their might be more I really do n't know but my credit is  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 03-09-2016 about Credit card () with Atlanticus Services Corporation (MD).
Issue: Billing disputes

Complaint: My Fortiva credit card payment is due on the XXXX of each month. I paid my account via by bank 's bill pay feature on XXXX/XXXX/16. The bank verified that they mailed a check to Fortiva on XXXX/XXXX/16. On XXXX/XXXX/16, I received a call from Fortiva claiming that my account had not be paid and asking me to prepay for my XXXX XXXX payment. I called my bank, and they verified that payment was sent and even called Fortiva with me on the line to confirm that payment was XXXX Fortiva rep said that it may take 7 to 10 days for the payment to poast, and she would notate the account that payment was processing. Later on the XXXX/XXXX/16, I received yet another demand for payment call from Fortiva. I was told that I had to set up automatic recurring payments to ensure that my payments are processed on time because check payments do not post for 7 to 10 days even if they are received by the due date, and if the payment has n't posted, I will receive demand calls until it does. I feel that this is abusive behavior by Fortiva in an attempt to force me to set up automatic payments rather than using my bank or paying my mail. Fortiva seems to be holding onto checks and claiming that they have n't been received in an attempt to charge late fees and force consumers to give them banking account information. I was forced to make another payment to stop the phone calls, so I 've essentially paid Fortiva twice this month as my bank has already debited the original payment amount from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/22/2017 about Debt collection (Medical debt) with I.C. System, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid to the original creditor. I called and spoke with the collection agency and they agreed to remove the debt. I sent them the attached receipt. The collection then showed up on my credit report as " unpaid ''.

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 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: i receive a minimum of XXXX calls a day, everyday! They start at XXXX and end at XXXX. It is an automated call that is picked up by a barely and nearly impossible to understand representative. This initial person simply connects the call and verifies they have reached me. I am then put on hold when an XXXX speaking person comes on and immediately says we need to verify your identity, '' what is your social security number, birthdate & current home address ''! There is no way I am going to give that info to anyone ... especially someone who called me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Huntington Bank advertises publicly a {$300.00} sign up bonus for their Huntington 5 checking account. The public link can be found here : https : //www.huntington.comXXXX I followed all the requirements to get the bonus, and yet Huntington is declining to give out the advertised bonus even though I am not in any violation of the terms and conditions. They claim that since I do n't have a targeted promo code, I am not eligible  for the bonus even though no where in the terms and conditions does it say that a promotion code is required. I have attempted to work with Huntington 3 different times over the past couple weeks and they have declined to be helpful in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 I deposited {$8600.00} into my Bank Of America at the branch in XXXX, CA XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. 

{$8000.00} in cash and a check for {$670.00}. The teller counted the money, gave me a receipt, credited my account for the total. I saw the amount in bank account. A few days later I noticed the bank deducted {$6000.00} dollars from my account. The notice from the bank said that there is a discrepancy on the deposit slip. The total is {$8600.00} but the currency says {$2000.00}. 

I went to the bank branch and ask for an injury to the missing funds. I was denied. The branch manager did not even ask for account information. He refused to help in anyway. I went to the branch I normally deal with, XXXX, XXXX XXXX. They told me that the other branch should review the reports and look at the cameras. 

I called corporate Bank of America to complain. I was told that ONLY the branch can authorize a report or look at the camera. I would need a subpoena to get the branch manager to look at the cameras if he refuses. 

I returned to my regular branch, XXXX and complained again. They said they sent an email to corporate to look into the XXXX branch. The XXXX branch manager refuses to do anything or even look at my account. 

I believe the money was stolen. I think that if the manager sees any error on the deposit slip he keeps the money. No one is going look into anyways. The teller entered the correct amount into my account and gave me receipt. There is a big difference between {$8000.00} and {$2000.00}. It was all $ XXXX in cash, easy to see. 

I believe Bank of America should be accountable for its employees and there should be a check and balance. I believe this is easy to resolve, look at the cameras. Run a report of what the teller entered as a deposit.

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 09/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is not giving Giving me any Response from XXXX XXXX about why are they reporting after more than 2 years, They allow to poison my credit sending every month the account is off charge, is Poison my Credit, this is a illegal action from XXXX paying Transunion to Damage my Credit Report, Off Charge is one time action not a recurring action by the Fair Credit Reporting Act. I need them to Stop Poison my Credit for this Action.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX hard credit inquiries on the same day by the same company

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 03/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out $ XXXX in loans with XXXX ( now Navient ) to attend XXXX from XXXX. I could n't pay the full payments when I left school and I used the forbearance options for 2 years. With interest the debt is now $ XXXX even though I 've made payments for the past 8 years. I make XXXX a year and I 'll never be able to pay this off. Right now I 'm on the annually renewed rate reduction program, and they 've lowered my interest to 4.5 % but my payments are {$770.00}. This loan is taking all my money and I desperately need to find a solution. My father also co-singed the loan, but he is now retired and living on social security.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (VA).
Issue: Charged fees or interest you didn't expect

Complaint: To whom it may concern : On XX/XX/XXXX I went to Wells Fargo bank to get a credit line for {$5000.00}. They informed me that the annual interest rate would be between 8 to 10 % and the charges would be made based in my spending not in the total credit line. On XX/XX/XXXX I started using this credit to build my credit score, but I realized that they lied to me : the interest rate they are charging me is widely higher than they initially told me it would be, and the charges are totally unfair. My last amount payment was for {$150.00} from which only {$17.00} has been taken as capital payment, and the rest has been taken as interest ( see attachment ). Also, when I called customer service to dispute this unfair charge and present a complaint, nobody, from any department can gave any solution to my problem. They just did pass me by apartment to apartment without solution or clear information regarding my concern. Showing throughout this that they are unprofessional and dont solve the problems their services produced. 
I reported this to the Financial Consumer Protection Bureau, with case number XXXX. However, Im still waiting for a fair response and a real solution because the only answer I got from them was on XX/XX/XXXX telling me that : they are following the procedures according to the contract and that everything is fine. Gentlemen, anything is ok, I did not sign a contract under those conditions. They lied to me and made me sign a misleading contract, with a convenient yearly interest rate for them, which is of about 20.500 %, is useless, and I am not agree with. 
Overall, I respectfully request the adjust of my interest rate to the rate they initially offered me. 

Sincerely, 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 monetary relief
Consumer complaint received 03/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our primary residence home was foreclosed on last year by Nations star Mortgage. During this process we made heroic efforts to accomplish a short sale and thus mitigate the loss to the lender, with no cooperation at all from them. They took title to the property and sold it within a short period of time. We have subsequently received an IRS XXXX for {$410000.00} which amount represents the entire loan balance. We feel that this tax liability is is error, and they refuse to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a letter to OCWEN Loan Servicing, LLC regarding account # [ XXXX ] requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that Ocwen did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires OCWEN to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that OCWEN has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation