milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: When talking to XXXX XXXX XXXX XXXX ( my student loan service provider ), they tell me I can not apply any over payments towards principal until my capitalized interest is paid. They also said that the interest compounds daily, which means it accrues approximately at {$130.00} a month ( give or take some dollars because some of the loans have variable rates ). I have a couple of problems. 1. No one who assists you with the loan application when you are applying makes any statements about the ability of the loan to compound daily. ( this would be the only loan available that I am aware of that does this, and the only one where you are not explicitly informed of this possibility occurring ) 2. If I am not allowed to apply over payments towards principal, this would also be the only loan that I am aware of that you can not pay down the principal with extra payments. I have been on an income driven repayment program. This past year I was only required to make {$85.00} a month payment. ( When I set up the auto-payment earlier this year, no-one mentioned that the interest accrues at {$130.00} a month. ) When I set up my auto pay, I wanted to start dropping the principal, so I elected to pay more, {$170.00} a month. I also elected to have the extra applied towards principal soooooo the interest accruing is less because I am knocking down the principal with almost {$100.00} extra a month. Now I learn as I am about to reapply for my income driven repayment program that I am " not allowed to pay down the principal ''. It all does not seem quite legal and the information provided when applying for the loan as well as setting up auto pay is inadequate and surely seems to violate consumer protection laws. I figure I would start here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I am filing a complaint about Wells Fargo. This had been an ongoing issue with me filing complaints about my Wells Fargo bank accounts. I had not received any resolution to this day. I have money missing from my bank account and I am unable to figure out each transactions amount. The money went missing within a three month timespan. This timespan is from XXXX to XXXX In the past Wells Fargo wanted to know the dates and amounts of all transactions of when, where or how the money went missing. If I did know the amounts of transactions that lead up to missing monies I surely and would greatly provide this information. I have read all of my banking statements online and I also had requested that Wells Fargo send my statements via postal mail. Nothing contained within that information has helped me at all. Every bit of the statements is vague and provides little to no information that would help me in locating these missing monies. Every complaint that I have made about this Wells Fargo provides the same exact response. Please provide us with dates and transactions amounts. Then their response ends up closing my complaint filed through the CFPB website. I have no way on earth to provide the information on transactions amounts. This was a gross error by Wells Fargo. Wells Fargo is the company that holds all of the records as in dates, amounts and where this money goes. Them asking me to provide dates and amounts of transactions would be beyond redundant. Asking me to provide them information of which I have no control over. I am at a loss financially and by them they keep brushing me off and trying to allow me to either give up or pass the time and go past the statute of limitations. Also I started out as a XXXX banking customer. Then sometime after Wells Fargo had taken them over and imposed their rules without my personal consent.

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 04-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Due to unemployment of a XXXX job this summer, I fell behind in my mortgage payments. I informed my relationship manager in XXXX I would find another XXXX position in the fall. I took my XXXX XXXX pay and made a payment in XXXX. Ocwen 's position was because the date of the XXXX payment was beyond their XXXX day window, I was informed I had to enter into a repayment plan to catch-up on the payments I missed. I am in agreement with that. She also stated we would determine the payments after the return of the XXXX payment. 

On XXXX XXXX, 2014, my bank cleared a check for {$1100.00} to Ocwen Loan Servicing. I have sent Ocwen the following bank records several times:1. A copy of the cancelled check2. A letter from XXXX stating the check cleared on XXXX XXXX, 2014. 
3. A copy of bank statementTo this date, the mortgage payment has neither been refunded nor been applied to my account. 
I filed a complaint with the Better Business Bureau. The case number is XXXX. 

My attorney, XXXX XXXX of the XXXX has also sent correspondence about this issue. 

How can this problem be resolved when Ocwen keeps:1. Changing the person " working '' on this problem2. Admit they have no record of my XXXX paymentWho is actually assigned to work on this problem? What realistic steps have they taken to find my XXXX mortgage payment? How can Ocwen write me and admit they have no record of my payment and expect me to be OK with that? I have provided Ocwen with banking documentation normal financial institutions would find acceptable. Apparent, Ocwen has problems with record keeping if they have over XXXX complaint to the Better Business Bureau with an F rating. 

I receive a response from a different person from their ombudsman office with a general statement stating that will respond by a certain date and that letter turns into another request. Ocwen keeps asking for the same information over and over again trying to shift the responsibility for clearing this up with me. I do not work for them. What information from of the back of my check does Ocwen need to find the transaction they lost? I am not the XXXX that failed to keep accurate records when they cashed my check. Since I have proved I paid an XXXX 2014 by providing the XXXX bank documents, how does Ocwen get to write back saying they can not find it? I think they might be deliberately stalling to earn more interest. 

Ocwen can either accept my payment or refuse. They have refused so it looks like I am deliberately not paying which is not true. Why do I have to be in the limbo state due to Ocwen 's inability to keep accurate records?

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My claim is in response to recent allegations brought against Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX My claim is in response to recent allegations brought against XXXX and Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX remaining open. 

To pay off XXXX of the XXXX loans, I placed a large payment with Navient to clear the principal balance in its entirety. The next month, I received a bill showing the loan had not been closed. When I contacted customer service, they informed me that as opposed to applying the total payment to the principal, they amortized it over the life of the loan, applying it toward future interest and principle payments. I was eventually able to have them restructure this payment to close out this loan, but not without great hassle. At no time upon initial payment was I told the amount would be amortized. When the amount was paid, I had specifically instructed to close the loan and pay the principle in full but this was not done. 

Prior to payoff of this loan, one year out of XXXX school, I was tight on cash and called to see if there was anyway to reduce my monthly payments so they would be more manageable. I was instead encouraged to take a forbearance. I was told it was a " great way to catch up '' because payments would n't be due for 3 months. At not time was I notified of the negative effects of taking a forbearance, and was shocked to find my credit score strongly affected by this a few months later upon trying to finance a new car. 

Following payoff of my large loan, I was left with appox. {$21000.00} between XXXX student loans remaining at a 6.25 % interest rate. I have paid $ XXXX/month for these XXXX loans specifically over the last 7 years plus additional periodic lump sum payments for $ XXXX {$1500.00} when able. To date, my principles between both loans have only been paid down by {$5000.00}. The Navient website does not allow you to see how your monthly payments are applied, simply the total principal left and the amount in interest you 'll pay assuming it takes 30 years to repay. Assuming I 've approximately paid out {$13000.00} in monthly payments over the last 7 years plus the periodic large sum payments I estimate to be about {$2000.00} in total, I 've paid XXXX/Navient approximately {$15000.00}. With approximately {$16000.00} remaining due on my principal. That mean 's since 2009, {$5000.00} of my payments have lowered my principal while {$10000.00} has been applied towards interest. Because of Navient 's website setup, I have no way of confirming application of such was done properly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Due to XXXX and combined low income, we are selling our home of XXXX yrs. The " title search '' provoked a demand for payment from a XXXX lien with Specialized Loan Servicing , LLC, which we did not expect! In XXXX, due to medical issues and expenses, we refinanced through XXXX XXXX Mortgage Advisors who obtained for us XXXX mortgages, XXXX which would later be sold to SLS. XXXX, we filed a chapter XXXX which was discharged in XXXX but, did NOT include our XXXX ARM mortgages. Wrote to SLS and XXXX XXXX XXXX XXXX asking to modify our loans due to financial hardship. SLS complied and we made our payments on time until XXXX XXXX. 
At that time, I spoke to our XXXX XXXX XXXX, regarding tremendous fear of losing our home, as we were " under water '' $ XXXX!! We also had no choice but to use credit cards for treatment of the XXXX XXXX!!! THAT alone was costing OUT OF POCKET up to {$600.00} a month to stay alive, which medical insurance would not cover at the time!! XXXX recommended a person at XXXX XXXX in XXXX for prevention of foreclosure. That person told us to STOP PAYING XXXX mortgages at once. He said the small mortgage with SLS ( $ XXXX ) would likely get thrown in a " pool '' along with other small loans & be forgiven with all the " bail outs ''. He said it would cost more than the loan amount for them ( SLS ) to go after us, and we would likely not hear from them again, which we did not, until now. 
SIx years later, SLS is demanding $ XXXX inc/interest from the house sale, leaving us broke & virtually homeless! We were counting on using the profit from our home to relocate and find affordable housing, which we had in place. 
Last month, I called XXXX and spoke with a representative at length about our situation and asked if there was anything we could do? Perhaps negotiate the accrued {$10000.00} in accrued interest? She was rude, uncaring and refused to negotiate anything, stating there was nothing they could do for us. 
This is why we are reaching out to you for help! We do have buyers and if all goes through, we will have to be out of our home by mid to end of XXXX. Time is of the essence!! Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: My wife bought a new XXXX XXXX in XX/XX/XXXX, she does n't work so they needed to run my credit, I was very adamant about only running it 1 time, VERY ADAMANT! Because I own several businesses and need excellent credit for growing them. After not receiving any registration or payment information on the vehicle we started calling XXXX  XXXX in XXXX XXXX NC, and Capital One Auto to find out where our info was so we can make our payments, Capital One said that XXXX XXXX messed up the paperwork and needs to resubmit it, by that time it had been more than a month and Capital One pulls my credit once again without my permission, I have contacted both XXXX XXXX and Capital One numerous times and no one seems to want to do anything, all said and done my credit was pulled 3 times for 1 loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Medical debt) with Herbert P. Sears Co., Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have never done business with HP Sears. I have never entered into a legal binding contract with HP Sears and you can not report to the credit bureaus if there is no contract with the company. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX  XXXX. 
If no validation is provided, proving I have never signed into any legal binding contract with HP Sears, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. Again, I would like to see a legal binding contract between HP Sears and myself confirming I owe referenced, reported debt. If HP Sears can not provide a contract, I want these items removed from my credit reports with all 3 major bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: When my mother passed away a few years ago, my brother and I needed to establish a trustee account in order to pay lingering bills. We did so with Wells Fargo, who, in view of the fact that my brother and I barely speak and have no trust in one another, the bank recommended a " joint/and '' account, which would require both signatures in order to write checks, move funds, etc. The bank required copies of Mom 's will/trust account etc for verification that all funds were to be distributed equally, with which they were provided. 
I have recently discovered that my brother was able to cash out and close this account, without my knowledge, consent or signature, for the full value of the remaining funds! 
The bank has stated that this account " did not need to be monitored '' ... and that they take no responsibility. 
What is the purpose of this account if it is not monitored? Why was my brother allowed to effectively steal the money? 
I work in retail ... if we sell a product that does not work as stated, we offer a refund. This account, which was suggested for both of ours ' protection, clearly " did not work ''! The bank XXXX, I am at a loss, and they tell me to " get a lawyer '' and sue my brother! 
In my eyes, the bank is at fault, and owes me half of the money but they refuse to compensate me for their misconduct. HELP!!

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed several complaints with XXXX and Experian over a serious problem with XXXX XXXX, they both closed the account on XX/XX/2018, but it's still showing a derogatory reporting and this debt should not show a derogatory balance at all, they do not have the correct paper work which I have contacted them ( XXXX ) as well and they are making false claims in reference to this account I have sent several certified letters to XXXX, Experian and XXXX and I am just receiving a closed account with a balance XXXX has already made false claims and if the balance of this closed account is not resolved I will file a small claim against the companies stated above for breaking for violating section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ) as well as under ( section 616 & 617 ) and I will pursue litigation to force the rights under FCRA.

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 Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). 

The denial letter that you provided indicates that your company failed to evaluate this borrower for HAMP Tier II or an equivalent program that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss mitigation options. In addition we request that you suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ). They did not do their diligence in obtaining the approval to complete a additional loan modification to assist the client in obtaining their loan with the VA.

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 03/31/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Due to an illness, I was unable to work for a period of time. This caused me to fall behind on my mortgage payments. Currently, I am working, receiving Social Security and a pension. My goal is to keep the home, and I have demonstrated my ability to make payments. I have sent the mortgage company five ( 5 ) payments via XXXX. However, US Bank has not acknowledged receipt of the payments. As verification of the same, I am attaching my receipts. The dates and payment amounts are as follows : XX/XX/2017 : {$1600.00} - represents three ( 3 ) payments of {$550.00} XX/XX/2017 : {$1100.00} - represents two ( 2 ) payments of {$550.00} I have been corresponding with the lender, and they gave me a deadline of XX/XX/2017 to bring my account current. The letter is attached. 

I am concerned that I am in the foreclosure process when payments are current with the lender. It is difficult for me to get in touch with my point-of-contact at U.S. Bank. The City of XXXX housing counseling office has worked with me to reach to the lender, who did not acknowledge receipt of payments and to the lender 's attorney, who denied filing foreclosure papers. 
If you have any questions, please contact me at 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 04/13/2018 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Dont understand why I have this collection on my credit. False amounts being said that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I charged {$180.00} worth of merchandise at Bloomingdales ', and returned that same merchandise for credit -- before the closing date for the billing period. Now, Bloomingdales ' continues to call ( seven times now -- early morning and at night ), saying my account is " past due ; '' I feel that they are harassing me. They are quite aggressive, and have billed me a {$27.00} late fee.. My account balance is XXXX, yet when I ask for an explanation, they say I should have made a payment no matter whether I returned the merchandise or not, that the " credit '' for the returned products will be deducted in the next billing cycle ( BUT the return shows up on the current bill ). This makes absolutely no sense.

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 07/15/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Making/receiving payments, sending money

Complaint: I paid off a $ XXXX to $ XXXX credit card balance with regular payments ( automated to be prompt ) for approximately 3 years. Sometime after the last programmed check was sent, I got a notice that I owed {$10.00}, and there was a late fee of about {$40.00}. I paid off the {$50.00} and got another notice a few weeks later that I owed another {$40.00} or so. I called to complain and asked, " How much money do you want to leave me alone? '' The agent apologized and removed all charges, said I did n't owe anything else, my balance was XXXX. I thought this ended it. Now comes my complaint. I learned that I had a negative entry on my credit report for late payments! This lowered my score and disqualified me for a loan I was applying for that offered favorable terms. This is not the first time that I end up hurt by Bank of America, and I feel a need to seek some justice.

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