milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Credit card () with WELLS FARGO & COMPANY (AL).
Issue: Delinquent account

Complaint: There is a judgement against me by wells fargo bank. however on XXXX/XXXX/2016 Wells fargo took my entire check of {$2600.00} and left me with nothing in my account. I 'm a XXXX and single parent and have no way of getting extra money to feed my family and pay my bills. I 'm wiling to make payment arrangement with wells fargo.

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 04/21/2017 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Other

Complaint: Chase is reporting a charged off authorized user account I was on to my credit. I am not financially responsible and this is illegal to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient really do n't care about the borrowers at all. Sometimes I when I already made a payment online they would still call me about it which is extremely annoying. What 's worst is they would harass my co-signer and family about my loan which obviously violates the laws as they are not allowed to that to begin with. My loans is never consistent as well since it went from paying {$320.00} in 2013 to {$520.00} today. It just kept on increasing as the year goes by. Because of the way the separated my loans into individually ones, it looks worse than it should be and if you have a missed payment, forget it, it will report on each one. Is horrible that they do n't just combined them into one since you are making one payment that gets divided into the other loans anyway. Because of this, my credit report is damaged. I asked if I could have some late payments removed from my report but they never responded me. However, it get reported to the credit bureaus instead that I was disputing them. So obviously nothing came out if it. Lastly, at one point I got into car accident around XXXX 2013 and had to take medical leave because of my injuries. However, when I explained my situation to Navient, they reported me late anyway on my credit report and when I ask to defer my payments while I try getting back on my feet, they said that they would have to charge me a fee in order for me to do that, which was around {$200.00} which is completely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of this year, when applying for a new home, I found out that TD Bank modified a current loan that I have with them, without my knowledge or consent. 
This loan is a mortgage that I entered into with my now ex wife. I am the borrower and my ex wife is the co- borrower. 
My ex wife was awarded our marital home during our divorce in XXXX however, a refi was never done and I remain on the loan. Under our divorce decree, she is to sell the home once our youngest child reaches 18 years of age. After the sell, I am suppose to be awarded {$22000.00} for my share of the homes equity. 
In XXXX of XXXX my ex wife applied for a loan modification with TD Bank. TD Bank ran my credit and approved this loan modification without ever contacting me or receiving my consent. When I found out about the modification I contacted TD Bank but was only passed along from person to person without any answers. After several attempts to reach someone in management I finally spoke with a young lady who tried to resolve the issue by asking me to sign a quick claim deed so that I could be removed from the loan but she explained that if I signed the quick claim deed that I would no longer be able to receive the settlement amount of XXXX that is stated in my divorce decree. I did not sign the quick claim deed. They have committed fraud. I should not lose out on what has been awarded to me because of their malpractice. I want to be removed from this loan immediately so that i can move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Mortgage (FHA mortgage) with Finance of America Mortgage LLC (IL).
Issue: Credit decision / Underwriting

Complaint: Hello, There is a newer mortgage company in the XXXX XXXX area called 'Finance America ' that is now advertising targeting the XXXX market through radio adds in the radio station XXXX, they have had several adds this last week ( XX/XX/XXXX - XX/XX/XXXX ) through the same spoke person XXXX XXXX ' that used to do the advertising for the former well known predatory lender XXXX ' , they are again misrepresenting loan programs and launching un compliant and unfair adds, there is no XXXX information disclosure and no mention of being and Illinois licensee, nor an equal housing lender ; this group of loan officers/ lenders committed multiple cases of fraud before they were put out of business a few years back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I mailed dispute letter regarding Bankruptcies that reflected on my credit report. I asked to verify the accounts, I was advised that they did verify through XXXX and the Court systems, this is incorrect. I have security freezes presently on my account so information as such who verified is inaccurate. I have requested to have this reviewed and deleted and the Experian has not done so. I would like to file a complaint against the credit agencies reporting such and stating that XXXX and the court systems as verifiers.

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 06/27/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We paid our XXXX XXXX payment to Ditech financial and they applied it to our escrow acct. 
We have been getting late notices and late fees and we have called numerous times and they said it 's there fault and a service request has been submitted but there far behind so it will take about a week. Well I call every week and I get the same song and dance. Now today I received a letter from a collection agency stating that they want that payment and late fees! 
I am at my wits end with this company they are going to ruin our credit!! 
There is no one else to speak to when I ask for a supervisor to try to go higher up. 
I just want my payment to be taken from escrow and applied where it should have been applied this company is a joke.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Account opening, closing, or management

Complaint: A bank ( BoA ) incorrectly listed me as having late fees on their credit card which appeared on my credit report while applying for a loan. I had pulled my credit report prior to applying for the loan and it was not on the report, it was applied sometime within 30 days of applying for the loan. I 've never had a BoA credit card so I knew it was not mine. I attempted to dispute directly with BoA but they were difficult to deal with. After multiple attempts and much frustration I finally found someone who would check the account referenced on the credit report. BoA confirmed the error and stated they would notify the XXXX reporting firms. Within 60 days I received a letter stating BoA considered the issue 'closed '. I am dubious and frankly concerned. My loan was questioned due to the incorrect reporting on behalf of BoA ; BoA offered little to no assistance in correcting the error ; and I can not obtain my 'free ' credit reports to measure whether the 'error ' was in fact removed as I had pulled my reports earlier this year. So how does one verify for free that errors were removed? It would seem that if a letter is received from a bank/firm allegedly stating the " issue is closed '' then a consumer should be allowed to obtain free verification of their credit report at the cost of the bank/firm that made the error. 
Why are banks/firms allowed to report 'errors ' yet there is minimal responsibility on the banks/firms to correct even when presented with evidence? The check and balance is not there. Consumers are left to fend for themselves sometimes unknowingly that a bank/firm is reporting erroneous information. As a side note, BoA offered no apologies. Only a statement of 'an error '.

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 10/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called to try to settled a debt collection with the agency. The first lady name was XXXX XXXX. She was extremely rude and would not let me make a payment. She talked down to me, had an attitude, talked over me while I was asking questions, and she also hung up in my faced. I called a second time and asked to speak to someone else. The XXXX lady was even more rude and had an attitude and also hung up in my face. I ended up calling a total of 7 times and still received horrible service and still did not get to make a payment. They would not give me a new agent to handle my account and basically thought it was funny. I 'm appalled and feel very disrespected because I sincerely was trying to make a payment to get it resolved and they refused to accept the amount I was willing and able to make today and told me that I could not pay anything under {$1000.00}. It was a horrible and frustrating experience that resulting in me not being helped.

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 05-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: please removed from credit report affecting my credit score

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 09-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: CFPB PLEASE PLEASE INVESTIGATE CHASE BANK AS THEY ARE STEALING MONEY FROM MY ACCOUNT!!!!!! 

my account was negative on onXX/XX/XXXX for {$67.00}. my daughter transferred {$70.00} by their cut off time of XXXX and XXXX XXXX eastern time. the money was in the account by the XXXX XXXX cut off time and per the last cfpb complaint I filed against chase I had the money in the account at the time they had stated. 

today, XX/XX/XXXX I 'm looking at my chase account and they charged me 2x {$34.00}. I am living off a fixed income and can not afford for the bank to cheat and steal my money so much. 

I asked them to reverse it and they came up with pathetic excuses that quick pay is different cut off time. how would the consumers know about their rules and regulations when we do n't work for chase!!!!!! I was told the last supervisor whom I spoke with, XXXX, and she did n't care to reverse the fees. These fees do not belong to me!!!! I followed their instructions on the time to have the money into the account and now they are trying to find another excuse to steal from my account. 

CFPB I am asking you to investigate the practices of chase and to not let them to continue to harass, cheat and steal from hardworking individuals. {$70.00} is a lot of money to pay for fees when the funds were in the account by the cut off time and I had complied with their cutoff times of what they had advised me in the past! 

I forgot to include, I talked to XXXX XXXX, who was a manager and she brought past overdraft fees which are irrelevant to the issue at hand. the issue is whether or not this current overdraft fees should have been assessed and the answer is no. in a court of law if past overdraft fees were presented as evidence to slam the character then it would be denied so what gives this manager the right to include it in assessing the refund of the fees. 

my money was transferred into the account by the cut off time and thats all that they should look at and the fees should be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Transworld Systems Inc sent me a debt collections bill in the amount of {$64.00}. I do not owe this alleged debt. I have called Transworld Systems Inc, and they have used abusive and hostile communication tactics. In addition, the Transworld Systems customer service representatives have repeatedly hung up on me multiple times when I have called them. Transworld Systems Inc has repeatedly violated the Fair Debt Collections Practices Act with their repeated abusive and hostile debt collections tactics towards me. I do not owe this alleged debt nor do I want any further communication from Transworld Systems Inc as they have repeatedly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit card () with Continental Finance Company, LLC (AL).
Issue: Credit card protection / Debt protection

Complaint: Applied for Verve mastercardNever received cardCharged {$120.00} annual fee on XX/XX/2015 but never got card or activated it. 
Cardholder services said card mailed out XX/XX/2015, three days after i was charged. 
To me this should be illegal. 
This has happened to many people that i read about online. 
XX/XX/2015 the Consumer Financial Protection Bureau ( CFPB ) ordered Continental Finance Company LLC, a subprime credit card company based in Delaware, to refund an estimated XXXX to approximately XXXX consumers who were charged illegal credit card fees. The agency found that the company 's " fee-harvester '' subprime credit cards misrepresented certain fees and hit consumers with illegal charges. The order also requires the company to pay a civil penalty of {$250000.00}. 
they are still doing this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Chase Receivables has ignored my continued requests for validation for an alleged debt in the amount of {$230.00}. On XXXX separate occasions I asked them for this validation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I sent certified return receipt letters ask for this validation that were verified as having been received. I have yet to get any response from anyone from this organization. Furthermore, upon receipt of my letters Chase Receivables did not mark my credit report as " disputed '' pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Just would like to know why after paying bills on time for over 30 years and worked hard all my life to achieve a perfect credit score it seems this objective is impossible to reach? My credit score is very good but is it even possible to achieve a perfect score?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: During my XXXX degree, I was unable to pay for my education in its entirety. At the time, my school advised me to look into loans with XXXX XXXX. The interest rate were reasonable ( not higher than 7 % ) and XXXX XXXX would practically approve ANYTHING! I had no idea that I would be setting myself up for failure once I completed my education. XXXX XXXX transferred my loans to a company called Navient. This company is the epitome of HARRASSMENT. Not only do they call you about payments ... they harass the co-signer as well no matter what time of day. I have even received a phone call from them at XXXX.! The only way to not have Navient call and harass me or my co-signer multiple times a day is to put the loans in forbearance or try to make a monthly payment.I have tried on numerous occasions to try and lower my payments but I was told and I quote, " You are going to have to figure it out and there is no way for you to lower the payments! '' The worst part is that once Navient took hold of my loans, my interest rates jumped to 9.75 %! There is no way a student in their right mind would sign up for a loan with this high interest rate ... not even a desperate one! The company 's forbearance policy is very interesting. The fee is always {$150.00} but sometimes the forbearance can last 30 days and then there are times it can last 90 days. It 's just up to them and whatever they decide at the time. Well, considering that I have other debts to pay because I paid for my XXXX degree out of pocket ... there is NO WAY I can pay XXXX XXXX and survive. I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NY).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: My wife and I recently applied for a home equity loan at our local credit union and our home was reappraised for the loan. The title company notified the credit union that an abstract of judgment was placed on our property for the amount of {$32000.00}. I notified the credit union that it was not ours but we still got the loan.The credit union gave us the docket number in the Supreme Court of the State of New York , County of XXXX New York. We got a copy of the docket and found it was not ours. It turned out to be my son 's outstanding debt for a camping trailer that he and his fiance purchased, they broke up and within a week she took possession of the trailer, sold it signing his name. The address listed on the docket was his address not mine and of course the social security will be different. The process server served a white female approximately XXXX to XXXX years old at his address. We have not had contact with my son in years and really do n't care where that goes. All I need is to get this judgment off my deed. I know it will go away in a few years if not paid but at our ages we can not wait. I am XXXX years old and do not need this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Federal student loan) with Immediate Credit Recovery (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My student loan was in default and went into wage garnishment. I ma trying to start a payment plan to get out of default and NO one will call me back. I have called over 120 times in the last month and left over 47 voicemails. I have called all government departments that had anything to do with my loan and the only thing they tell me is that I have to speak to someone at Immediate Credit Recovery. At this point they are stealing from me. They are collecting a fee when I am actually trying to get out of default. They wont call me back because after I get out of default they will not be able to collect their fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (KY).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX  my payment was raised concerning my escrow account. My insurance last year was  XXXX  this year  XXXX . Taxes  XXXX  last year  XXXX ,. This year. my payment went from  XXXX  to  XXXX . I draw  XXXX  social security a month .When I got the mortgage they said my payment would not go up. I have a tight budget but have never missed a payment. I paid  XXXX  on  XXXX   XXXX  and they put charges on my account because I could not pay the new escrow.  XXXX  is not a lot of money to company 's but takes out of my food. There was not that much difference in the escrow. I talked with the company and they said they can not do anything

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Credit report stated account was opened on XX/XX/XXXX for a balance of {$59.00} for medical that I do not owe directly to them. They have been calling my cell phone 3 times or more a day not leaving any messages and when I do answer I have asked them several times to stop calling me, mail me a letter and to not call again as I do not owe them the money and they are a 3rd party collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Balance transfer

Complaint: In XXXX 2014, Bank of America permitted a balance transfer from my BOA XXXX to an XXXX XXXX account. The amount was $ XXXX a {$400.00} fee. I did not authorize this transfer nor did I have an XXXX account. BOA refuses no to credit my account or give me any information about this transaction so that I may investigate it myself. Please help. {$10000.00} is a lot of money. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with Jonathan C. Frank & Associates, LLC (UT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Company said it was a law firm threatening to legal action but this is a debt collection company that uses the most ruthless and obscene tactics Calling family members Threatening to Sue You over small debts in collection This is just a debt collection company

Company response to consumer: Closed with explanation