milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Was told I had to consolidate so not knowing any better I did. This locked new into never being able to have any better options to repay my loan. I made an attempt to get ahead of my loan and the interest payment by being several months ahead of my loan if I miss a payment or if the loan payment is made 30 days after the last payment u get a penalty even though I am 7 months ahead. When I make my payment I try to make it a 21-25 days after the last payment. They take it out of my account but do n't process the payment until to 30 day so that month of accrued intere see that continues. I have tried everything to pay down my loan and nothing is effective. By chance I did discover that the payment they give you in the beginning is well below the actual interest you are being charge so I was able to stay ahead of that. When I would call to find my option they would either tell me I had none.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have had issues creating a bank account in the past year due to a " mixed match '' social security number and had to bring in my social security card to verify my identity. I can not log onto Experian.com or AnnualCreditReport.com to verify my identity with my name, address, and social security number. Therefore, I can not access any credit reports to see if there are any discrepancies. However, when I tried applying for medical assistance and put in my mother 's name and address with my social security number, the identity was " verified. ''

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I been asking XXXX, Transunion and XXXX XXXX to validate the account from XXXX XXXX since XX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but XXXX XXXX has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately

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 08-02-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit line increase/decrease

Complaint: My credit limit was reduced, due to errors on Macy 's part. I have paid off my balance month ago, but due technical issues on their end. I was charged fees, and not notified of changes. I called to get fees waived on this past Saturday, and now today I get a letter stated my limit is being reduce, which will effect my credit score. I want my credit limit restored.

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 03/30/2017 about Payday loan () with Speedee Cash Management (GA).
Issue: Can't contact lender

Complaint: The collection agency is reporting that i open a loan in XX/XX/XXXX when it has original date being in XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Making/receiving payments, sending money

Complaint: I have an account with XXXX XXXX and use their Bill Pay service. I erroneously mistypee a payment to my XXXX account instead of my Mortgage account. I called XXXX upon discovering the error and they called their bank ( Union Bank ) to refuse th epayment and trigger a refund. The sum was for {$40000.00} ( inteded for a mortgage baloon payment ). THe payment was on XXXX/XXXX/2015. I created an incident from my bank and was promised immediate refund and still have not seen the payment. I am concerned by the callousness of the bank and would like to report this as a fraud upon consumers. The call I placed was in bureaucratise declined because it was the business of the operations department. 
This references the payment from XXXX XXXX : XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX Our research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX XXXX research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015The payment is with XXXX ( by Union Bank XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: After having a business checking account for 30 or so years, Citibank suddenly decided that they were closing my account and closing access to this account because they forced us to complete a questionnaire designed for corporations. We advised them that our professional practice was a sole proprietorship but that did not matter to them. As part of the closure they were supposed to forward any electronic payments made from insurers including Federal Government. There was a payment of {$62.00} made to them which they never forwarded. We got no satisfaction from our local branch, the corporate office or customer service who never once responded. We were forced to take Citibank to small claims court, they never showed up. We got a judgement which they never settled. As far as I am concerned they stole our money, adding to the cost of transferring our checking accounts and bookkeeping, etc for such an idiotic reason. For the record, when we rapidly opened a similar account at a local branch, they gave us similar forms to fill out and very clearly advised us what parts did not have to be filled out, which was exactly what Citibank expected us to do but were unable to. 

As long as we are making this public, I can add that for years I used Citibank to process credit card payments made to us directly into our Citibank account. Their monthly charges were written up and itemized in a way that we had no understanding of the breakdown. Upon searching why we were paying so much, we discovered hidden charges that were added without our understanding. Bottom line, by switching vendors, our monthly charges went from about {$500.00} per month to about {$150.00}. Now we get full explanations which should have been required!

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 10/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Credit decision / Underwriting

Complaint: I have had an account with Nationstar since XXXX sold it to them in XXXX XXXX 2015. First it took almost 6 months to report my credit. Then when they finally did it was wrong. I e-mailed them sending them documentation from XXXX for corrections.They would correct XXXX thing then report something else wrong. This went on thru-out these first 10 months. I would dispute items thru all XXXX CRA 's and they would say they were reporting correctly. Even the CRAs got the documentation.In the meantime they were e-mailing me and sending me letters to refinance with them ... I truly believe they are trying to maliciously hurt my credit so I can not go to any other bank ... Let me re-phrase that I know they are trying to hurt my credit ... Finally they corrected all the mistakes then they showed the account as Tranfer or sold. In doing so they knew very well that if they report the account as tranfered or sold that it would go to a closed status ... This is malicious and with intent to harm, hurt, mislead, and destroy my credit standing ... It is plain out defamation and slander.I called them to find out if they had sold my account they said they had not. I verified ... I called XXXX, XXXX, And asked them why my Nationstar mortgage is no longer being reported as open.. They told me when it is transfered or sold the account goes to Closed acct. As of XXXX XXXX 2015 I printed off The documents from XXXX and XXXX showing that it is reported as closed..with a XXXX ( XXXX ) balance and showing as tranfer or sold. I called again Nationstar and requested a document ... Which is in this complaint ... They are saying That they checked the CRAs and it is reporting as Opened and in good standing ... That is a bald faced lie.. This bank has cause my credit to drop XXXX points ... They " as stated in there letter '' will not do anything else to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (TX).
Issue: Settlement process and costs

Complaint: Have XXXX damage claims with Midland Mortgage, one XX/XX/2016 and the other XX/XX/2016, and they wo n't release insurance checks for repairs. Contractors turned me down on XX/XX/XXXX claim, which will soon expire, due to Midland Mortgage actions. Contractor sent all documentation for XX/XX/XXXX claim day we signed contract, plus I resent and Midland Mortgage continues to say have not received, which has presented contractor threatening to sue for work completed. Please read customer reviews on Midlandmortgage.com to find this is the way they are treating all their customers. Our only way is to refinance and that 's not fair. My insurance agent says that many checks have already expired due to Midland Mortgage unorganized mess. Do they not understand we ca n't take care of repairs without " OUR '' insurance checks.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXX and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper write off.

It is within my rights under the FCRA to request the said  documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (I do not know) with Stellar Recovery, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted XXXX XXXX XXXX on XXXX XXXX 2018. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 have disputed online with the credit bureau but they still keep inaccurate information on my credit file. The information I have disputed numerous times comes back as being verified however I don't receive information that explains how they verified the information with a creditor and remains on my credit file thus affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Please see attached correspondence. I am being held responsible for over {$12000.00} in charges made without my authorization. The fraudulent charges were made over two weeks in XX/XX/2017, a holiday period during which the risk of fraud is known to be high. The total charged fraudulently during this two week period was almost double the highest monthly charges to the account in two years and nearly four times the average monthly balance for 2017. As set forth in the attachments to this complaint, in type, volume, amount, pattern and type of merchant, the charges clearly and obviously were unusual and suspicious as compared to prior account activity. I learned of the identity theft only after my Wells Fargo VISA credit card was declined for a modest purchase at a grocery store and I promptly called Wells Fargo customer service. It was only on my initiative in calling and in checking my account on-line while speaking with customer service personnel that the fraud was identified. Contrary to every telephone conversation about the matter with representatives of Wells Fargo, during which I was assured that I would not be held responsible for the unauthorized charges, I now understand that Wells Fargo is holding me liable without supporting evidence and without advising me of any recourse or rights that I might have. The Wells Fargo correspondence states only that Wells Fargo found no fraud occurred [ s ] ince your card was in your possession. ( See correspondence attached. ) Insofar as Wells Fargo has acknowledged the fact that the card was in my possession, and insofar as the Federal Reserve Board guidance states that the cardholder is not liable when the card itself is not presented, I may not be held liable for the unauthorized charges. See 12 C.F.R. 226.12 ( b ), Federal Reserve Board Official Staff Interpretation. 
Without explanation, without notifying me of my right to appeal and without providing upon my request any justification for the conclusion, Wells Fargo determined that no fraud occurred or that the transactions were authorized. Wells Fargo thus inappropriately is holding me liable for the unauthorized charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: Wells Fargo Home Mortgage has yet to address issues that was requested back in XX/XX/XXXX & XX/XX/XXXX in which they was mailed several US Reg Mail in which they sign for. I requested in XX/XX/XXXX proof of the series bonds front and back be sent to me for proof that this was a legal loan to the series bonds on the instrument that makes the loan legally binding. The was no effort on Wells Fargo Home Mortgage to ever send what was requested. I also have phone records that Wells Fargo Home Mortgage was not calling back to address the issue they had assign it to a direct person in which every time I call him he was saying he was working on it. 4 months past and nothing of the requested information was sent or address dealing with the series bonds and information I requested. I have over 175 calls detail on one phone line to how many tines I called. My other phone line has over 90 calls that all detail going back to this person that claim they was going to provide the information requested. I have it all on my phone bill detail billing. 

There has never been no effort to provide the issue with wells fargo home mortgage on what has been requested. This has been going on since XX/XX/XXXX and I have the documents and the detail phone bills as US REG Mail as proof to the issues and how wells faro home mortgage has dodge the issues at hand with fraud done on there part and not providing documents I have requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I was forced to sign pretender lender loan servicer {$750000.00} loan modification settlement, over {$200000.00} more then the Option One Mortgage loan that was paid in full to avoid Ocwen 's fraudulent trustee sale. Attached is email communication between Ocwen scum lawyer " XXXX XXXX '' denying my written request to have the right to discuss my matter before a congressional hearing before congress. Ocwen scums thought I would bend over and obey. The XXXX is aware of my matter and is correctly scheduling a hearing. So, get ready scums. Even if pretender lender loan servicer OcwenLoan Servicing is successful fraudulently auctioning off my home I will still fight till justice is served and I get my home back.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (KY).
Issue: Managing the loan or lease

Complaint: I had a loan with Hyundai Motor Finance ( HMF ). The account number was XXXX. I requested a payoff at the beginning of XXXX. I was given a payoff amount of that was {$13.00}?? more than I owed. I paid the payoff amount given and it was posted on XXXX XXXX 2015. Hyundai Motor Finance ( HMF ) indicated that a lien release would be sent within 2 weeks as would any excess payoff. By the XXXX of XXXX I had received neither. I called HMF and within XXXX days I received the lien release but not the excess payment. I again called HMF on the XXXX of XXXX and they said they would refund the excess immediately. I called again on the XXXX and was told that a check was sent on the XXXX of XXXX. As of the close of business today I have not received my refund. Please assist in having my refund issued. In addition I question if this is a typical practice of HMF and are there many, many customers who never received their refunds. 
Thank you for any assist you can provide. 
XXXX XXXX XXXX, KY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CT).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle in XXXX of 2015 at XXXX. I was told by the dealership that I was the buyer and XXXX XXXX was the co.buyer. I was recently made aware that my name is n't on the vehicles title or registration. I have made payments on this vehicle for more than one year and I am unable to drive the vehicle because I am not the registered owner. Wells fargo Dealer Services has reported this loan on my credit report but I am not the lawful owner of this vehicle. I am unable to locate XXXX XXXX who is the listed owner of this vehicle. I can not continue to make payments on a vehicle that I am not the owner of. Wells Fargo Dealer Services received the funding package from XXXX and did n't secure my interest in said vehicle.

Company response to consumer: Closed with explanation