milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several credit cards. Among these was a credit card with Wells Fargo, while the application was declined and no account was established the process left a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. A formal dispute of this information was sent to Wells Fargo and received via certified mail with return receipt XX/XX/XXXX. As of this date Wells Fargo has failed to reply to the outcome of the re-investigation and removal of that fraudulent data from the credit report which is a violation of the FCRA and my clients consumer rights.

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 01-11-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Settlement process and costs

Complaint: XXXX XXXX XXXX XXXX XXXX, Va XXXX Loan Number XXXX Refinance XX/XX/XXXX Closed XX/XX/XXXX During an audit of my closing documents I found that prior to refinancing the MIP was {$61.00} ( closing XX/XX/XXXX ). After refinancing ( XX/XX/XXXX ) my MIP more than doubled to XXXX per month for 10 years. This is a substantial increase and I should have been informed in writing prior to closing. 
Due to failure to disclose XXXX x XXXX =XXXX x 10 years = XXXX as opposed to XXXX xXXXX = XXXX x 10 years =XXXX. 
Therefore due to failure to fully disclose the cost of the refinance and predatory lending, in addition to misleading advertising I am requesting the return of XXXX MIP overpayment. 
XXXX x XXXX=XXXX x 4 years ( XX/XX/XXXX-XX/XX/XXXX=4 ) = {$3000.00} plus any fees. And a reduction of MIP to its previous rate. 
Please let me know when I will be receiving a check. Please see attached documents. I was told there would not be any new charges. 
When I inquired about the deficiency, I received in the mail what I consider a threatening letter from your XXXX Office which basically stated I should be grateful. 
When I tried to ask customer service about the amount of the MIP they whined and said they did not know. 
I refinanced from 6 % to 3.75 % and expected to see a 2.25 % ( {$290.00} ) decrease in my monthly mortgage payment. Instead I received only {$100.00} decrease. When I asked what my new monthly mortgage would be I got the run around and in addition I was told the loan would take 30 days - the loan took six months to close from XX/XX/XXXX to XX/XX/XXXX. I said to my self they are trying to figure out a way to defraud and you did.

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 10/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hi, My name is XXXX XXXX. I graduated from the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Degree in XXXX XXXX XXXX XXXX. 

When I signed up for the school, they told me that I could get a loan through Navient ( XXXX XXXX at the time ) but in order to do that I would need to have a co-signer on my loan. I was also clearly told that 2 years after my graduation date I would have the co-signer off my loan. It 's been 8 years no and I still ca n't get this to happen. 

- I called about 4 years ago and asked them how to get the co-signer released. The agent told me that in order for that to happen, I would need to be making consecutive payments for 1 years and then apply for a " co-signer release ''. 

- I called 1 year after ( and making payments with out fail ) and this agent told me I was mis-informed. That I needed to be making payments of X amount in order to apply for a " co-signer release ''. 

- I did what they asked again, called again a year after and now this agent told me I was mis-informed again about the payment amount, that in order to apply for a " co-signer release '' I 'd need to be making payments of about {$1700.00} a month. I broke down crying and told them they were doing this on purpose, I know they are just doing all they can so I 'm never able to have my co-signer off my loan. Do n't forget, it was suppose to be 2 years after, no one ever told me about these conditions! Not the financial adviser at XXXX XXXX XXXX, not Navient, no one. I would never have signed up for this loan if I know I would keep my mother on the hook for life. This is a true SCAM. 

- I contacted the Mass Attorney General 's office and spoke to a person in Insurance & Financial Services Division. This person contacted Navient on my behalf, and Navient told her that I wo n't be able to apply for a " co-signer release '' because my " debt-to-income ratio '' does not qualify for such. 

- Asked the person at Insurance & Financial Services Division to ask Navient how much money I would need to be making to apply for this " co-signer release ''. She called Navient and Navient told her that they do not disclose this information. That it 's proprietary information. So basically, any time I try to apply they can always say " it 's not enough ''. And in this way, they keep me and my mother slaves of their corporation for LIFE. 


I need to get my co-signer off my loan, it 's enough. 8 Years of this, I ca n't have a good night sleep knowing that even if I die or something happens to me for some reason, my poor mother who makes only enough to survive, will get slammed with my loan on top of my XXXX and will completely cripple her life even further. 


I need to get my co-signer off my loan. IT 'S ENOUGH. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Federal student loan) with AES/PHEAA (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Threatened wage garnishment for a loan that is not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Consumer Loan (Vehicle loan) with Home Loan Center, Inc. (NY).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, 2016. Went on LendingTree.com website to research a possible auto loan refinance and selected option to " View my rates '' - entered information on the website, did not give my full social security or consent to have credit pulled. My information was forwarded to various third parties who pulled my credit without my consent and I now have XXXX new hard inquiries, affecting my credit scores. These unknown companies are calling me non-stop

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I am sending this email in the hopes of finding some assistance for my mother XXXX yr. old mother, XXXX XXXX XXXX My mother currently has had a reverse mortgage for the last 4-5 yrs. The mortgage company wants foreclose on the property because there was a lien placed on the property in the amount of {$27000.00}. The mortgage company paid the money without contacting her to find out if it was owed or before getting any information so now they started foreclosure proceedings. Obviously, my mother nor anyone in our family can afford to re-pay the {$27000.00}. I do n't know if this is legal. 

I have been researching to come up with an alternative to foreclosure. I thought possibly refinancing the reverse mortgage or negotiating a re-payment plan with the mortgage company but are in desperate need of any/all assistance we can get in attempting to delay or stop the foreclosure proceedings. 

Please Help if you can. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NV).
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: XX/XX/XXXX  it w as decreed in a divorce I that ow ed 1/2 of the total amount of {$2500.00} due to Target. Keeping in mind I NEVER signed up for a Target account t o begin with. I was added by my wife at the time without my knowledge. On  XX/XX/XXXX  I  was ordered by a judgement of contempt to pay  my 1/2 of the Target Card, after sending payments to my ex-wife 's attorney that never made it to Target. I paid my 1/2 of the {$2500.00} on or around  XX/XX/XXXX  At whi ch point I should been removed and the remaining balance should been placed solely in the party 's name. I contacted Target several times regarding this account and was told I was removed. I have been dealing with this inaccurate and fraudulent information for over 7 years now and want it removed or at least reported correctly showing my balance of  XXXX  paid in full. All  XXXX   Credit  reports bureaus say they only report what the original creditor response with and the original creditor " Target '' is reporting this wrong. Update I recently found out that the ex-wife filed bankruptcy i n  XX/XX/XXXX fil ed bankruptcy that I was unaware of, but somehow got added by Target. Also On the credit reports it shows the new husband as the joint on this debt not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed accounts listed on my credit report that I do not recognize. I have attempted to dispute directly with the creditor/collector and with the bureaus with no success and am now taking legal action. I have filed an identity theft report with the FTC and with XXXX XXXX KY Police. None of the medical bill son my account are mine. The XXXX bill is not mine. The inquiries are not mine. I could not list all of the accounts but XXXX XXXX XXXX is not mine. I contacted them and they are a daycare which I have never used. Also XXXX XXXX XXXX which is XXXX XXXX XXXX should not be on my credit as I was a co-applicant who did not reside there. I paid half of the debt which is indicated and they said they would remove my liability and remove from my report. The total was XXXX and I paid 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 12-08-2016 about Debt collection (I do not know) with The Regional Adjustment Bureau, Incorporated (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Regional Adjuatment, phone number XXXX out of XXXX Tennessee. This company called my brother in law asking for my sister to talk about a debt I owe. I have never provided any information other than my own on applications for credit or medical billing. I contacted the company to get their information, but they would not give me any information regarding what kind of debt this is because I do not agree to be on a recorded line.

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 01/15/2016 about Bank account or service (Checking account) with BB&T CORPORATION (TN).
Issue: Problems caused by my funds being low

Complaint: BBT ( Banking ) continues to charge overdraft fees. For example, they will have pending amounts that they already take the amount off of your available balance. Then when a charge goes through that is not pending, they charge you an overdraft fee. When you go to the ATM to put money in to cover the negative balance, they hold the amount, then, the next day, when the pending amounts go through, they charge you another fee before depositing the money you deposited the night before. 
They have changed the time you are allowed to deposit from XXXX to XXXX, and will make NONE of the money you deposit available to you until the next day. 
The fees are out of control. They began charging a fee is you download your statement to XXXX. We were unaware of this, so they charged a fee for THAT fee. 
Banks are OUT OF CONTROL!!!! I have even had a hold on CASH deposits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NH).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I had a car loan through Santander Bank. My loan originated in XXXX. After 2 years of paying on the loan I couldnt understand why the loan amount was n't going down. I had talked to them in the past but never really paid to much attention. When I finally really started looking at my statements I came to discover that with the {$510.00} a month car payment I made only {$9.00} was going towards my loan every month..I couldnt believe it. Come to find out, they also added XXXX a day to another loan for a personal friend of XXXX she had no idea they were doing ... Her {$1600.00} loan turned into over {$15000.00} in the end ... Santander bank as a whole is a relentless corporation and they are thieves ... I feel that someone should seriously look into how much money they are stealing from consumers EVERY DAY!!! THEY NEED TO BE INVESTIGATED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I recently recertified my income for an IDR plan with Navient, and discovered in receiving my updated payment amount that Navient had placed me in IBR instead of PAYE. In further discussion, I learned that I was placed in IBR XX/XX/2013, when I first consolidated my loans and applied following my six-month grace period, although Navient has paperwork showing I requested to be in a PAYE plan at the time. Despite numerous discussions in which Navient acknowledged the mistake, Navient has insisted that I need to re-apply and make one month payment on the standard repayment plan, rather than being administratively switched to PAYE. I believe the mistake was made because the paperwork for PAYE was limited at the time ( PAYE required a separate, ad hoc communication because the OMB form including PAYE had not yet been published ), yet Navient refuses to own up to its error. I have hit walls at Navient, and am now looking for a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: When I purchased an automobile ( a XXXX Mercedes-BEnz XXXX ) I took out a loan with M & T Bank. When I received my vehicle title from the Maryland XXXX XXXX it reflected a lien. The loan was paid of in the beginning of XXXX. I expected that I would receive a document thet reflected the termination of the lien. This reflects my experience with my other vehicle. After some time has lapsed, I called the general service number for M & T to inquire about this process ( on XXXX XXXX, XXXX ). At that time, a service superviser identifying himself as XXXX said there may have been a error on the bank 's part and the title continued to reflect the lien in error. He said someone might get a hold of me about the issue. Since no one has done that as of now, I called again. This time XXXX responded ( on XXXX XXXX ). After hearing my information, she said New York XXXX places the responsibility for clearing a lien on the customer. After pointing out that I live in Maryland, she offered to turn me over to another superviser. Clearly, I am getting a different story each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I cancelled service with XXXX ( formerly known as XXXX ) in XXXX of XXXX. When checking my credit report on XXXX XXXX in XXXX XXXX, I noticed that there was a collections notice from XXXX  ( via collections agency Credit Protection Association ). I never received a letter or email that there was an outstanding balance. I was never notified of any payments to be made until I myself checked my credit score. I immediately paid the outstanding balance and was told verbally that this collections would not show on my credit report. I am now in the process of buying a house and the collections notice still shows on my credit report as paid, but closed. It was not removed as promised. I was also not notified that I was able to dispute the charge, I was told that if I paid the amount the collections would be removed from my credit report. This is not the case. I have spoken with both XXXX and Credit Protection Association both of which said " there is nothing they can do '' at this point in 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 09-08-2015 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: Key Bank approximately two years ago while setting up a refinancing of my mortgage suggested I open a checking account with points to get benefits from moving my money from other banks to Key Bank. Currently it was brought to my attention by my Key Bank branch that I am not collecting reward points from my checking account. I asked my branch to look in to this. They suggested going back to the original location that I set up my refinancing and my checking account ( XXXX XXXX in XXXX NY ) I spoke with XXXX XXXX XXXX Vice President of the branch. He said he would look in to it. Now several weeks later and XXXX voicemails later and also a call in which XXXX said he will get back to me in 1 hour never happened and no resolution has been made. I would like a dollar amount total of money I moved through my account and the equivalent of the point value added to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Transaction issue

Complaint: I have a balance transfer with Chase Freedom and I find it absurd that for automatic payments, there are only XXXX options. Either to pay the balance in full or to make the minimum payment. Where 's the option to pay something in between XXXX automatically XXXX? I 've done balance transfers in the past with Chase and have always had to option to make an automatic payment that would enable me to pay of the balance before the APR went up .This seems like another slick maneuver by the Chase to make it more difficult to pay the balance off in full before the APR is set to go up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have collection accounts that have incorrect information reporting. I have wrote several letters and I have been unable to get any results.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I agreed to have my checking acct debited for {$50.00} which included a processing fee on XX/XX/2015.The representative told me to make that agreement so i can take advantage of a settlement offer of {$290.00} instead of the actual total of $ XXXX.i told the representative that i was on XXXX and did n't receive any income as of yet.The representative urged me to setup the agreement and that she will call me back by XXXX/XXXX/15 in order to make sure that i would still be able to agree to the arrangement and to payoff the balance.I never received a call so i called XXXX on XXXX/XXXX/15 to check the status. A different representative took my call and was n't very helpful, i was put on hold several times.i was calling to check the status and inquire about the missing phone call.i was told that the representative who assisted me XX/XX/XXXX was n't available. i felt that this representative did n't know what she was doing and i told her i needed to give them a call back because my phone is now dying due to being on hold by her.It is XXXX/XXXX/15 i just called XXXX in order to talk to the representative that i set up the agreement with and was told that she is no longer on my file and that she ca n't offer me the same agreement because i did n't call in, and that the {$50.00} i let them debit from my account will go towards the full total of $ XXXX.I told this rep that i was waiting for a call from XXXX and that i would not have made an agreement on {$490.00}. i asked her if she can make an agreement on the original {$290.00} minus {$50.00} that i already payed. she told me she could n't do that. i felt that was unfair and deceptive and i told her that i was n't going to make and agreement on a higher amount. i hung up with her.

Company response to consumer: Closed with explanation