milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: When I originally got the loan we never signed all of the paperwork. The lady they sent said she would bring back some papers and never did. All of the papers are not signed by me. The loan is now illegal, it is a loan where the payments and interest goes up every year. The payment amounts do not match what is on some of the paperwork that we received. The payments have always been higher than they were ever supposed to be. We have tried for years to get a modification with them and was denied every time. I got forced into bankruptcy many times because of this loan. There are many discrepancies with this loan and the mortgage co will never send us any papers we ask for. I am again in bankruptcy due to this loan. I am XXXX and not in great heath. This company is Wells Fargo. They are already proved to be frauds with all aspects of their company, from all the way back in history with XXXX XXXX. Wells Fargo should be held accountable for what they do to people. They have never tried to help me. I would really appreciate any help you could give me. Thank you for your time

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 01-06-2017 about Consumer Loan (Vehicle loan) with KEYCORP (NJ).
Issue: Managing the loan or lease

Complaint: I had my car loan from First Niagara Bank since 2015 but was changed to Key Bank, since the first payment made I have had issues with Key Bank properly posting my payments. On the first payment, the remaining or extra amount that I had sent was posted to the following months payment even though I specified that I wanted it posted to the principal. Then for the following 2 months, my payments, which have all been sent in on time are showing up on their end as late. I have also received XXXX late fee charges for this. This month, once again my payment was not posted correctly because my minimum payment for the month is twice as much. I have to spend hours on the phone every month to correct what is being done wrong and every time I am told that it will be fixed yet it continues to happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (HI).
Issue: Loan servicing, payments, escrow account

Complaint: Received multiple calls per day from Nationstar mortgage starting at XXXX. Loan is not overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing statement

Complaint: I have XXXX credit cards with Citi which I 've paid in full every month since opening the accounts. A couple months ago Citi did not apply the entire amount of my payment to one of my credit cards, but they took the entire amount of my check out of my checking account. The difference is about {$1000.00}. I 've contacted them three times ( each time I get my monthly statement ) to correct the problem. Each time they said they would correct the problem, but they never follow through on their statements. I have continued to pay my accounts in full each month ( less the approximately {$1000.00} I do n't owe ) and they continue to add interest and reflect an inaccurate balance on my account.

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 04-07-2015 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was transferred from XXXX XXXX Home Mortgage to Bayview Loan Servicing LLC on XXXX XXXX, 2013. When the loan was transferred I was working on a repayment agreement with XXXX XXXX. The repayment agreement was really XXXX that was not affordable, but I agreed to it in order to keep my home. After the loan went to Bayview Loan Servicing I 'd asked about a repayment plan that was a little more affordable and submitted letters explaining why the plan that I was on with XXXX XXXX was so difficult to make. Bayview offered a different plan, but it was still not affordable and the payments were not calculated correctly. I tried to explain this to my asset manager time and time again. I 'd made a payment of {$1500.00} back in XXXX 2013 and the payment was not posted correctly and caused my loan to appear as though it was further past due then it really was at the time. Bayview had force placed insurance on my loan and I provided necessary documents which proved there was no lapse in coverage. As a matter of fact, my mortgage included escrow for taxes and insurance, so I do n't know why this was ever a question. My balance on my loan has increased and I do n't really understand what happened. There was money in a suspense account that went toward late fees etc.. I told the asset manager that the money in suspense should have went toward my mortgage or at least ask me if I could put money with it to make a payment. I am showing XXXX payments past due on my mortgage, but not in foreclosure yet. I have paperwork to complete a loan modification and I will be submitting it to Bayview within the next week. I would like for you to investigate my payment history, force placed insurance and review terms for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Someone named  XXXX  called from Asset Recovery Associates stating that I needed to call regarding an urgent financial matter.     I have no idea what this could be about but in doing research I found out this company was a major scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I went to cash a check. I was informed that my account was closed and could not be reopened. The banker at the bank stated he had never heard of this before. So he called and the informed him and myself that the cut ties and there will be no reason give because they have that right. He asked fir a supervisor and they stated the same and told him to cash me out my balance. This happened on XXXX/XXXX/2017. I need assistance please.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: NO PROPER TRUST ACCOUNTING/DOCUMENTATION per OFFICE OF THE CONTROLLER OF THE CURRENCY CONTROLLERS HANDBOOK. I am a surviving spouse and mother of decedent 's only XXXX children by decent, minors. My spouse passed XX/XX/2014.Being that we had a significant age difference I always went along with my husband 's financial decisions as he was the one with all of the financial assets. I never demanded anything in writing from him as he was a fair man, always kept his word and loved his daughters more than anything. He was a street wise man, very charming, and had common sense. He ran XXXX very legal in every sense of the word and was generous, especially with XXXX employees. The mistake on my husband 's part was to assume the key employees were going to reciprocate his good will, kindness, and care for his family, meaning us. Two years prior to my husband 's death he finds out his longtime Attorney of over 39 years has embezzled over {$100000.00} and a lien had been put on our home. XXXX my husband had of over 20 years never bothered to look into the lawsuit and make sure funds were being disbursed properly. At the time all of this embezzling was going on my husband was going through XXXX. There 's more to the story but fast forward to XXXX 2014, XXXX he never transferred any business assets or anything else for that matter. So now I have the CPA and the purported successor trustee around me like vultures, but again keep in mind if my husband trusted people then I did too, he passes away and I find out that I had POA all this time up until his death, the CPA never notified me and the rest was downhill. Now the " new '' administration has been running my husband 's XXXX and basically my husband 's trust money has been bennifiting the trust, not the beneficiaries, our daughters. They are going off a trust that was executed 5 days after he found out about the embezzlement, in addition they switched his XXXX XXXX IRA. So basically the girls and I have been living off peanuts. At the end of the day, all my husband wanted was control of the money, again due to our age difference he still felt I needed some back up in case of any trouble. Little did he know that the people he trusted to take care of us were going to throw his family in the trash.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX has placed a collection acct on my credit report that was previously deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient/XXXX XXXX is the company. <P/>I 've had issues with misalocated payments every year since 2007 when i graduated. These are with my private loans. At one point XXXX XXXX put my loans on watch for the misalocation and it stopped happening. this took about 4 or 5 years of me calling them every month for them to take care of it. then Navient took over and its started again. Also I will have to call them again by next month about the same issue again. The part of this that make it worse is the ones having the issue are the ones my parents are cosigners. part of the issue is due to part of my loans going on default. but {$1000.00} plus a months in payments i ca n't afford it. i pay about $ XXXX {$270.00} for these loans a month My federal loan i have with them i try to get IBR plan for it but they deny me every time and when i go back to start payments again the total owed each month goes up again. i pay {$55.00}. but when i started paying them back i was paying {$48.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: We had a family vacation planned for the month of XXXX and XXXX was not working at the time so I filed for financial assistance for the month of XXXX. I filled out the forms and emailed it to Carrington on XX/XX/XXXX and again on XX/XX/XXXX asking for an update. Never heard back so I called them hoping to get an update on XX/XX/XXXX. I got passed around and never got any answers other than being told it was pending. I called back again on the XXXX but the hold time was too long and I was at work so I ended up hanging up. ( The XXXX and XXXX I called from my work phone line so I will not be able to get phone records ). I called back on XX/XX/XXXX and was told I was denied financial assistance on XX/XX/XXXX because they did n't have all the info they needed. I made the payment the same day. The call on the XXXX was from my cell phone so I can get phone records if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with National Credit Systems,Inc. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: National Credit Systems is reporting on my credit report with XXXX, XXXX and XXXX. I have disputed this item and sent National Credit System a debt validation on XXXX XXXX, XXXX. National Credit Systems has not responded

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent in information about the bankruptcy being removed from my credit report and the inquiry Credit Info to be removed and also sent in a letter stating the bankruptcy office does not report that information and that it needed to be removed. These has not been validated.

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 04/20/2016 about Debt collection (Medical) with Io, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The XXXX XXXX organization sent my account to a collection company, Receivables Management of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with Receivables Management of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.

Company response to consumer: Closed
Consumer complaint received 08/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Other

Complaint: I opened a credit card account with Capital One. I chose Venture card as it was the most attractive option for me. The most attractive feature of the card was the lack of foreign transaction fee because I 'm often overseas for work and other matters. 

When I applied everything went without a hitch, and I was approved instantly as I have an excellent credit rating. But when I tried to activate the card, the card was " frozen '' for fraud alert -- I 'm not sure why that was the case since nobody from Capital One bothered to tell me despite my numerous requests -- and Capital One asked for my ID, SSN card and some kind of statements, etc. to prove that I 'm who I am. I was advised that it 'd take XXXX business hours. 

It 's been more than three business days. Nobody has any answers for me. XXXX of the reps promised to call me with an update, but they never did. I presume they have the recording of our calls. Their online help on XXXX is also unhelpful. 

If Capital One was worried about my identity, it should 've asked me to submit all the documents, etc. when I applied, NOT after I already got the card. Furthermore, I detest the way the representatives from Capital One would n't tell me anything, treating me like I 'm a scammer, despite the fact that I had to verify my date of birth, SSN and other information provided at the time of application. According to them, scammers know a lot of information about their victims. If so, they did they accept my application and approve it? 

I 'm currently overseas right now. I was hoping to be able to use the card and take advantage of no foreign transaction fee, but apparently that 's not going to happen. 

I also was n't given any promise that their system is secure and that my ID and other documents provided to them to verify that I am who I am wo n't be stolen off their server.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Payday loan debt) with Integrated Recovery Services (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Re : Inte grated Recovery Services On  XXXX / XXXX /  XXXX   I received  a call & voicemail f rom a  XXXX  stating that I had a case in their office ( did n't specify what kind of case ) and said that in order to not be served  by constable I  needed to contact the office. When I returned the call a woman answered and said that my phone number was associated with an account in their office under  XXXX   XXXX  which I confirmed that I was the person calling. Prior to letting me know that it was an attempt to collect a debt or even mentioning anything about what it was regarding, she asked me to verify my social security number. I then explained that I did not want to confirm my social security without knowing what this case was regarding. She then started yelling at me and stating that I had an attitude with her, which I did n't, and said that if I did n't confirm my information, she could not speak with me and would notify the company "   XXXX   XXXX   XXXX   '' that I had admitted to stealing the money so that I could be served with paper work, however, those words never came out of my mouth as I did not know what the case was even regarding, she then hung up and said that she did n't have time. I then called back thinking that another person would speak with someone else and again she answered and said that she did n't have time to speak with me, I mentioned that I had never said that statement and wanted to know why an employee from this supposed company was speaking to me in the way that she was and yelling at me. She responded that it was because I was not being an " adult '' and did n't want to confirm my confidential demographics and again said that she did not have time and hung on me for the second time. I called again an asked for her name which she said her name was "  XXXX  ''  ( u nsure if it was legitimate ) and said that I could do whatever I wanted and again hung up. The only reason that I called was to find out more information on what it was regarding prior to confirming my social security and again, they never mentioned that they were calling from a debt collector. I did not appreciate how this woman spoke to me as she was super unprofessional and it is not a way to settle an agreement. Also, not to mention, I have yet to receive ANY correspondence from them regarding this matter. All I received was a phone call earlier today during work hours. If indeed I have an account in their office, I do not know why an employee would threaten to tell another company something that I never said. If harassment is their why of intimidating people, it 's not the key.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Synchrony Bank is a corporate XXXX! Within a year, they have closed both my XXXX and XXXX credit cards ... .both of which I have faithfully paid!! Ridiculous!! The reasons cited in the latest letter were issues on my credit report that existed BEFORE I was even approved to have them! Seems to me the employees are bored and have nothing better to do than nitpick consumers who have actually been paying their bills! I would NEVER recommend Synchrony!!

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 09/28/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Other

Complaint: I found out that there 's a debt on my credit report that do n't belong to me. Last year ago we spent day and hours to get it corrected. We received a letter from HSBC and they removed me from every account. This year again, they put it on my credit report. Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing disputes

Complaint: I disputed a charge on my account in XXXX 2016. As to date I have not heard from the credit card company. I called in with a lost or stolen card report. I was issued a new card and account number. When I received my next statement there was an unauthorized charged on my account.

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 10-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a compliant with the CFPB in XXXX XXXX on Bank of America 's handling of paying the liens and fees assessed by my Home Owners ' Association. I am now filing a new compliant based on the fabricated and fraudulent information Bank of America provided the CFPB and Florida Attorney General. Bank of America fabricated a letter dated XXXX XXXX, XXXX. This is a completely fraudulent letter that was created for the Florida Attorney General. The date does not even correspond with the situation that was at hand ( see court document for lien ). Due to the mishandling of the lien and fees, I did n't pay my mortgage for XXXX and XXXX XXXX based upon the statements that were made in court on XXXX XXXX, XXXX. My concern is Bank of America 's ability to create fraudulent documentation/information in a effort to say that they did not improperly handle the situation.

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 02/21/2018 about Debt collection (Other debt) with AFNI INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AFNI is attempting to collect a debt that I have no knowledge of. I have never entered into any contract with AFNI. AFNI HAS NEVER CONTACTED ME IN WRITING OR BY ANY OTHER PROPER FORM OF CONTACT DEEMED FIT BY THE FCRA. It is my sincere request that AFNI immediately remove this account from each of the credit reporting agencies that it is presently reporting this negative information to.

Company response to consumer: Closed with explanation