milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX Dear Consumer Financial Protection, I am filing a complaint about what Wells Fargo has done to me and many others like me. They set me up to be scammed. So here is the information and if you send me your email address, I can give you all other data of how it started with me consistently contacting American Servicing Company for months with no reply or answer to my issues even though I was not behind in my mortgage. 
All of a sudden each XXXX, I had to pay an extra XXXX. I called to get clarification ; they listened, but no reply. They required that I had to pay XXXX insurances on the property ; I questioned them about that because in all the years of living here this was the first time XXXX insurances on XXXX piece of property. Suddenly, a letter arrives telling me I had to pay for the second insurance monthly. I called asking for clarification ; nothing. I started calling for loan modification nonstop until I was told it was my fault that I did not keep after them, but I did. 
Suddenly, after I hung up on that last call, a XXXX named XXXX XXXX arrives at my home asking me did I need assistance on anything about my property. I told him how I contacted American Servicing Company with all my issues, with no results from them. He told me I can get loan modification if I get behind on my mortgage. In reflection, it seemed this was set up by American Servicing Company. 
From that moment the scam happened. All my issues were solved so I could trust the person to assist me that Wells Fargo did nothing to assist me. I got XXXX loan modifications and Wells Fargo dismissed them based upon XXXX lies : I did not pay my house taxes and I, a celibate man, was married and my wife put a XXXX lean on the property. I could not sue Wells Fargo because all was done by word of mouth ; however, I had to have a notary witness my signature to send to Wells Fargo that I spoke the truth. 
Wells Fargo is going after seniors, families and XXXX to make them homeless consistently. 
I am filing this complaint against them for what they have done to me XXXX for 50 years who served XXXX with all my heart and soul. 
Respectfully

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 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Chase approved me for a card along with a XXXX balance transfer @ 0 % intersest for 18 months, No where and at no time did they say they might reduce that amount. If so provide a copy of a written signature or a recording of a phone call. A few days later I got a letter in the mail from them stating that the address for the creditor where the balance was being transferred from was n't correct and they could n't complete it. Again, no where on this letter did they state that the amount was going to be less than 1700. I called to give that address to them at which point they told me they were only going to transfer {$1000.00}. If the address was n't an issue they would have only transferred {$1000.00} without ever telling me they had reduced the approved amount. This is bait and switch and against the law in GA. O.C.G.A. Sections 10-1-390 et seq I would rather we settle the issue here instead of me getting the State Attny General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Debt collection (Medical) with Credit Bureau Services Association (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i have never talked to them over the phone about debt or got any calls at all!! 
i got a letter in the mail from cbsa on XXXX/XXXX/XXXX with balance of {$1700.00} then got another letter from them on XXXX/XXXX/XXXX with a balance of {$4400.00} dollars ... this was a hospital bill from a XXXX i had in XXXX XXXX cause it said XXXX and i was out of work for three months i also had insurance and wasnt aware of a balance never did get any bill i figured my insurance payed so when i got those from the cbsa i really had no idea what is was. my dedutible had been paid in full for the year i have XXXX then on XXXX XXXX i got a letter with no return address with my name and address hand written saying a judgement was placed on me court papers with judge signature and everything on XXXX XXXX XXXX saying that i did not respond therefore accepting validation of said debt. said that i was supposed to respond by XXXX XXXX XXXX i never got anything about this, so how was i gon na respond. It was XXXX country court house in XXXX ok. and i live in XXXX ok. its saturday so im going to go up there monday to get some info and the amount now is well over 5 grand. i dont understand how they can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I had an account with Bank of America, a pesonal and a business account. XXXX day i saw that my account didnt have any funds and after I went to the bank the told me that some checks were deposit in my stolen checks were deposited in my account and money withdawl, they told me that somebody had created an online account and requested a duplicated atm card, my card was used three times in XXXX. They told me the checks were deposit at the bank. When I told them that was not done by me, they kept telling me that is was nothing they could do and they took the money I did have to cover the fraudalent charges. I ask to see the videos from the bank, they refuse, I filed a complaint with the police department case No XXXX with officer XXXX, he started connducting investigation and he requested the bank copies of the video, the bank refused again, and the officer was obligated to obtain a production to produce from the court and a subpoena de bank, again once officer XXXX presented those documents, they refused to give him the bank video and continue to prolonge the process. in the menatime, the have my records as abuse of account, and I am not able to open any other account with any other institution. 
At this point I dont know what else to do, i need help. 
i believe this is an inside job, bank employees, since, to deposit a check and to make a withdawl you need to show indetification, also, the check that were deposit were stolen.

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 02-05-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My loan is processed through XXXX XXXX. Due to an error in their processing of my income verification during XX/XX/XXXX, they added almost {$6000.00} of interest to the balance of my loan which I have been appealing to be removed. The capitalization of interest on my account was carried out in a punitive manner, and yet it was their errors that caused the interest to be added to my balance. 

Their instructions for income verification state that one can submit a paystub from their employer and write the frequency of pay on the paystub. This is what I did, and I submitted my documentation and completed forms as soon as they were requested by XXXX XXXX - 2 months prior to the re-certification date ( XX/XX/XXXX ). 

They processed my application in XX/XX/XXXX, and on XX/XX/XXXX I received notification that I was denied from the Income Based Repayment plan I have been on since XX/XX/XXXX. It turned out this was a mistake on their part - they calculated my income to be twice what it actually is, and it appeared I made too much money to qualify for this plan. Since I don't, I discussed this with them over the phone - they had ignored the frequency of pay I wrote on the paystub and calculated my pay as weekly rather than bi-weekly, which is an error. 

When I was denied from the Income Based Repayment plan, the interest on my loan balance capitalized and the close-to {$6000.00} was added to the balance of my loan. Even though their mistake was corrected and I remain on the Income Based Repayment plan based on the correct amount of my income when it was calculated using my paystub, XXXX XXXX has refused to remove the interest. 

I bring up the XX/XX/XXXX and XX/XX/XXXX dates in order to note that if they encountered any problems or discrepancy in my documentation, I sent them well in advance of the due date and I could have addressed any confusion if they had processed my application around the time when they requested it to be submitted. My interactions with them lead me to believe that part of their poor processing of my application was due to their delay and subsequent hasty processing manner, since my new payment amount was supposed to go into effect on XX/XX/XXXX. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Unsolicited issuance of credit card

Complaint: Fifth Third issued me a credit card account, unbeknownst to me until I saw my credit report today. The credit card account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. This has resulted in damaging information on my credit reports. I called Fifth Third today to report this matter, and ask that the derogatory information be removed from my account and the Credit Reporting Agencies, but the response I got from XXXX different departments at Fifth Third was lackadaisical at best. I was told that I must have signed papers acknowledging the acceptance of the credit card account, which if true, was completely unknown to me at the time. At the time, all I had realized I was applying for was a credit score monitoring / improvement " program ''. Ironically, the report made to the XXXX Credit Reporting Agencies for accrued fees and interest for this unbeknownst credit card account is the single most damaging blot on my credit report! NOT a fan of Fifth Third and their business tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Student loan (Private student loan) with SLM CORPORATION (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended  XXXX  University in  XXXX   XXXX , NJ from   XXXX   XXXX   to   XXXX   XXXX   as an  XXXX  in the   XXXX   XXXX   XXXX  . I did not like my major and college in general was not working out for me. My grades were okay to start off and then proceeded to get terrible by   XXXX   XXXX  . I took a leave of absence which turned into me just dropping out. Each year had costed about {$20000.00} total and so my total in borrowed money from the private student loan company "  Salliemae '' w as about {$29000.00}.  XXXX  loans were used,  XXXX  for {$22000.00} and  XXXX  for {$7000.00}. The interest rates are  11/38 %  8.88 % and they 're fixed rates and can not go down. I just moved out of my parents ' house living in an apartment on my own and I 'm realizing how difficult it is to keep on paying the monthly payments I have been paying for the pas t two  years. Since   XXXX   I 've been paying {$580.00} monthly total in student loans, {$450.00} to Salliemae and {$120.00} to a federal student loan.     Recently I called Salliemae explaining the situation and asking if there was any alternative monthly payment plan and they said simply no. They said that income based repayment plans and things of that nature are for federal student loans only, not private student loans. They went on to explain that the only choice was basically to be late with my monthly payment, get a late fee applied to my account of no greater than {$25.00} and they wait for the collections agency to contact me about collecting the debt. This is what I 'm currently doing but I 'm afraid it will ruin my credit and I 'm afraid that Salliemae might take money directly from my paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Student loan (Private student loan) with AES/PHEAA (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Student XXXX XXXX XXXX has account with Pennsylvania Higher Education Assistance Agency. Account XXXX Her mother wanted to pay off the loan. The loan balance was {$27000.00}. Her mother, XXXX XXXX XXXX called PHEAA to obtain directions on how to pay the loan and was told the {$27000.00} would not close the loan. XXXX asked XXXX to check with PHEAA to investigate the problem. XXXX was told by PHEAA that to close the loan an amount of {$33000.00} must be submitted. She was told the difference was a prepayment penalty. It is our understanding that a prepayment penalty is not allowed on student loans. XXXX XXXX XXXX  submitted a check for the {$33000.00} but is requesting your assistance in resolving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I paid the full balance of my Credit Card bill which was XXXX. XXXX. Though i was late with the initial Payment, I paid this in full However, in the proceedings of The process i was asked to present documents of verification in which i did in full compliance. everything they asked for i submitted. But for whatever reason, my account was still restricted I provided the bank statement of my uncles account who paid off the balance and who authorized this transaction. They took the payment and it was posted. I have provided the following documents. After doing everything in full compliance the customer service at capitol one became very unprofessional and duragtory. They took my money and they still had not released my account. these are the documents I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: I was an authorized user for a Chase credit card. I am not the owner. Chase put that this card is mine and I am responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: several weeks ago i noticed that on my credit report with transunion that the XXXX inquiries that were on my credit report were deleted and now has reappeared on my report. here are the companies that was removed and now has reappeared. XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16. I have called several times and have been rerouted disconnected sent to voicemail. The excuse that i was given is Yes we can delete these inquiries however because your account has a fraud alert we are unable to remove it ( which I have sent transunion a certified letter requesting for them to remove this from my credit file to no avail its still there but thats another issue. Lets just focus on on the removal on the reinserted inquiries ) .. this is what a representative told me from XXXX as well as a XXXX special handling representative. 
Transunion is well aware that they are in violation of the FCRA 611. that advise that notification must be mailed out within 5 business days before reinsertion. I would like these inquiries to be immediately removed. I am tired of being given the run around my next step will be to go beyond the XXXX if this problem is not immediately resolved. Thank you for this attention in this matter

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 06/17/2016 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Managing the loan or lease

Complaint: I had filed previously a complaint regarding my auto laon with Drive Time not appearing on my XXXX credit report, complaint # XXXX. On XXXX Drive Time representative named XXXX XXXX responded by stating : " Due to complications with the reinstatement process, we determined that XXXX XXXX 's loan has not been reporting to XXXX. We followed procedures previously determined by XXXX to be adequate for reinstatement and believed that XXXX XXXX 's trade line had begun to report. Upon realization that his loan was not reporting, we contacted XXXX and discussed alternative approaches for reinstatement, which have also been unsuccessful. We are currently working with XXXX to reach an amicable resolution for XXXX XXXX in the reinstatement of his trade line. 
We have been in correspondence with XXXX XXXX in regard to this matter, and we will contact him with any updates as they are made available. We apologize for any confusion or inconvenience this matter may have caused. Once the complications with reinstatement have been resolved, XXXX XXXX 's trade line should begin to reflect on his XXXX credit reporting within 30-60 days. '' I XXXX XXXX contacted XXXX on XXXX/XXXX/XXXX, to find out, my auto loan with Drive Time till this day does not appear on my XXXX credit report. This issue has been going on between me and Drive Time since XXXX/XXXX/XXXX when this issue was brought to my awareness. I brought it up to Drive Time on XXXX/XXXX/XXXX and still remains unresolved.

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 10/15/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I took out a loan with XXXX XXXX in XXXX 2013 for {$5000.00}. It was sold to Cash Call for servicing immediately and then to XXXX XXXX. It is now back to Cash Call. There are multiple lawsuits in progress right now against them and I offered to pay back the principal of what I owed to take care of the loan. To date, I have paid {$3800.00} and they say my principal is still {$4300.00}. How can I make payments for over 2 years and only take {$700.00} off the principal? I made an offer to pay them {$1100.00} and change to pay back the original {$5000.00} but they said they would only accept an offer of 80 % of the principal remaining so the best offer would be an additional {$3400.00} which would give me an effective interest rate of around 30 %. I understand that I am lucky in that some consumers have paid back more than double what they borrowed but I still believe 30 % is too high.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Other

Complaint: Bank of America has illegally added a credit card account and living address to my credit report in violation of the FCRA. I do not have a credit card with this company, nor am I a authorized user. 

It was explain to me that it was a different social security to this account. I never had a card with this company under this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Privacy

Complaint: I was told by Capital One in an email I was receiving new cards with no explanation. I checked my cards, they were not expired. I called n was told the new cards have a chip in them for tracking. I said I 'm upset that we are n't being informed in the email the reason is there will be a chip in the card. I spoke to supervisor who at first gave nonsense excuses - " they have XXXX people to inform ''. Them said it 's federally mandated we all have a chip on our cards. I said will you ever inform people it 's in their card? He said it will be in the terms n conditions when u get the new cards. That is in the small writing that no one reads after they first get cards! So now if the government has access to the chip mechanism they can track us anywhere we are n't if the chip allows it n so can Cap One n any other entity they give access to without anyone ever being basically informed that we have a chip on our cards. After the NSA phone tracking i consider this a next step and that we are n't not being ethically informed it 's in our card is reprehensible n unconscionable. I also blame the government for federally mandating it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Customer Service Account : XXXX XXXX XXXX, last XXXX Soc-Sec : XXXX Email : XXXXXXXXXXXX Subject : Two-factor authentication using Text message code sent to mobile phone in USA. 

I am XXXX living in XXXX with XXXX mobile phone number. 

I ca n't use Wells Fargo two-factor authentication without calling Wells Fargo customer service and going through a inconvenient and exasperating I.D . process of giving account & debit card numbers including Soc-Sec number. 

I do n't like giving account numbers over the phone which could have security issues. 

Why ca n't Wells Fargo send two-factor authentication text code to my mobile phone in XXXX? 

Or send text code to my Email address or XXXX XXXX? 

Finally, there must be thousands of XXXX living in foreign countries that have the same problem ( no USA phone number ) as I do with Wells Fargo 's two factor authentication text code online sign in. 


Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau.

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 11-04-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: looking at my second mortgage and I feel it is not legal. on XX/XX/XXXX i obtained a second mortgage " from a friend that was a broker ''. It is from specialized specialized loan servicing in highlands ranch co. the payments are {$330.00} with {$24.00} going to the principal the annual percentage rate is 14.069 % with a balloon payment due XX/XX/XXXX of {$25000.00} finance charge is {$57000.00} the amount financed is {$28000.00} total payments {$85000.00} with a balance due as of today of {$27000.00}.

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