milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (NJ).
Issue: Taking out the loan or lease

Complaint: My lease matures on XXXX XXXX and the car is due back within 10 day so maturity. In the beginning of XXXX, I called the US BANK to confirm that my final payment submitted cleared my financial obligation excluding charges for excess mileage, wear and tear etc ... They confirmed that I had satisfied my lease and in fact had a {$29.00} overpayment credit. No funds were due to US Bank. Today, XXXX I received an invoice from US BANK for {$430.00} due for XXXX. Confused I called the bank. After significant hold time, the first agent confirmed I owed nothing and had a credit. But, she could not explain the bill. After a transfer and hold time, second agent explained that a " computer sends the bills. '' I explained that this must be illegal, as I do not owe them anything and had I not called, I might have sent them the {$430.00}. She said that it was just an error and I could ignore it. Not satisfied, I requested that I log a complaint. She transferred me to billing. After 20 minutes holding, a clerk got on the phone and told me that the bill was " just in case '' we wanted to lease month to month. I explained, that it says nothing about that on the invoice ... it just says Payment due for XXXX. I received no letter or mail indicating that the car was available for month to month leasing after the terms are satisfied. And, on my XXXX calls to customer service in the past in preparation for the car inspection and return, no one had ever mentioned anything about keeping the car month to month and paying a fee that is less than my original lease. She was insistent that this was common practice and US Banks only intent. This is clearly US Banks attempt to fool customers into over paying against a balance that does not exist. In any other business this would be considered stealing under no uncertain terms. It is clear fraud to present an invoice for an amount you do not owe. The US BANK should not be permitted to continue practices like this.

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 03/23/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Offer for short sale of property was submitted. Previous ATP had expired and we were working toward another ATP. No offer during the 1st ATP was close enough to bank value of home. 
Wells Fargo refused to review the offer until the " financial review '' was completed. Then Welles Fargo delayed ( intentionally ) by continually waiting long stretches of not returning messages, constantly changing " processors '', as many as 8 processors, underwriters have been on this file, each with a period of no communication. 
The worst was " XXXX '', who throughout this process failed to either return a phone call or email, in a timely manner, but mostly not at all. 
We sent an OTP and related paperwork to WF to continue with a short sale process on XX/XX/XXXX. We continued to work on this short sale, up until it was rejected in XX/XX/XXXX, for missing a document. Someone from WF Home Preservation Department called XXXX, on XX/XX/XXXX.and XXXX responded and faxed the documents. Since XXXX did not receive these documents, and I was unaware that the WF Team was calling the borrower, the file was rejected. I recent the same documents, by fax, on XX/XX/XXXX. After I found out what had happened, XXXX helped, and put in the request to be reactivated, on XX/XX/XXXX. 
Wells Fargo proceeded to change processors, and micro-examine all accounts, effectively delaying the review within days of the foreclosure sale. They even took two weeks, examining and rejecting a settlement statement from the HOA, finally at last stating that the standard settlement email, with letterhead, management company, and all parties copied, must now be a " formal '' letter on letterhead, and signed, ( note that offer has not been looked at ). 
Nothing had materially changed in the Borrower 's financial condition, and Wells Fargo knew it. 
We tried for weeks by emails and calls, to expedite the review, stating each time the impending foreclosure. WE WERE IGNORED, and when we were communicated, it was " on script '' nonsense. In XXXX, we took the fight to anyone who might listen. 
Suddenly, on XX/XX/XXXX ( sale date XX/XX/XXXX ), the offer was " reviewed '', and quickly rejected. We were told on Monday the news, and told to " get a higher offer '' WE were told " an ATP could NOT be issued, due to the " LOW OFFER '' and " TOO CLOSE TO FC SALE DATE. 
We were also told there is nothing anyone can do. 
Either Wells Fargo intentionally delayed this review, either to force it to foreclosure, or ( and also likely, considering their inability to assign and complete an easy review ) their lack of direction in this department.

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 07/19/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (AL).
Issue: Managing the loan or lease

Complaint: I received an " End of Lease Liability Statement '' in late XXXX, 2016 from Nissan Motor Acceptance Corporation ( " Nissan '' ). There were various charges that seemed inappropriate and/or inaccurate. I wrote Nissan on XXXX XXXX challenging the charges and requesting a revised, accurate billing. They never responded. On XXXX XXXX, 2016 I received correspondence from XXXX XXXX XXXX, XXXX stating my Nissan account had been placed with them for collection. Nissan has acted in bad faith by providing a false bill, failing to respond to my inquiry, and turning my account over for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent Portfolio Recovery Associates ( which is a debt collection agency ) a dispute letter, I than received a letter from them on XX/XX/XXXX telling me that I have to pay them {$170.00} because they are saying that I have a contract with them in which I do not. They are claiming that I have a contract with them, in which I do not. They are trying to collect a debt from me in the amount of {$170.00}, On XX/XX/XXXX they have reported to the Credit Reporting Agencies, that I have opened a new account with them which is  clearly not mine. Portfolio Recovery Associates has also placed this false info on my credit reports that reports my credit, XXXX, XXXX and XXXX. I am a victim of identity theft and my info was compromised by an unknown person and my info was used without my authority.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony Financial locked me out of my account and due to this I could not make payments and after trying to contact them numerous times, and not receiving a single answer, they moved my account into delinquency. 

I have now tried to contact them on multiple occasions and they seem to always be closed or unavailable to answer when I 'm being transferred.

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 09/30/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: A check drawn on my XXXX XXXX Wells Fargo checking account and was paid to an unknown person not to the payee as drawn by me I reported the fraud and was told that the funds would be redeposited to my account within 10 days after they researched the transaction Ten days later I was told that forms were to be mailed to my home and must be filled out They were never received Six days later I went to my XXXX branch of Wells Fargo and filled out some paperwork and was told that the payee was now required to fill out an affidavit form I contacted the payee and he took off from two half days of work to sign these forms Five days later I went to my local XXXX branch and was told I would receive these funds maybe in 30 days 60 days 90 days or never Are these banks not responsible for the monies in their care? 
Do they not have a fiduciary responsibility?

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 11/28/2016 about Debt collection (I do not know) with Frontline Asset Strategies, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Call constantly my family and me and makes threats

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing requesting an investigation into the issues surrounding the series of delays and lack of cooperation regarding my appeal for a loan modification with my lender US Bank. I obtained a mortgage in 2009 with downpayment assistance from Tennessee Housing Authority. The property taxes increased XXXX % from what I was told from the closing attorney and title company. As a result of this, the payment increased drastically and I began to struggle making the payments. I sought help via a HUD counseling agency after a representative from US Bank said that I needed to be delinquent in making payments to initially qualify for a loan mod. I stopped making payments and took the advise of US Bank and engaged a housing counselor. After several months of working with the counselor and providing numerous documents as requested, I was told that US Bank could n't approve a loan modification SOLELY because Tennessee Housing Authority was refusing to cooperate due to their presence on the mortgage via the XXXX lien because of the down payment assistance. It has know been over 12 months and no one can tell me why I am being prevented from mortgage assistance that I clearly qualify for based on my sole income being retirement income. I need help and most recently was told over the phoe on XX/XX/XXXX that I no longer qualify because I 'm over 12 months delinquent. First of all, I became delinquent at the advise of US Bank! I believe the position that is being taken is gross negligence and I need immediate help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (Conventional fixed mortgage) with Escrow Inc (WA).
Issue: Settlement process and costs

Complaint: I entered into a 5 year mortgage agreement i  n  XX/XX/XXXX  in the  amount of {$130000.00}. The agreement stated after 13 months any or the entire principal may be repaid at any time without penalty. In  XX/XX/XXXX  I paid the loan off by refinancing with another company. At that time Escrow, inc., the administrator of the loan, charged me {$100.00} payout fee, {$670.00} service fee, {$75.00} close out fee, {$15.00} VOM request, {$30.00} for 2 history fees, {$75.00} for 3 payoff fees for a total of {$970.00}. The loan only had 17 months left to payoff and they were paid {$17.00} a month for billing fees. If I would have paid the loan in 5 years they would have received {$280.00} in fees but by paying off early they charge me the {$670. 00}.

Company response to consumer: Untimely response
Consumer complaint received 02/15/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/18. Wells Fargo charged me 2 over draft fees of {$35.00} and when I spoke to the agent she said the fees added to {$78.00} dollars. When you add XXXX twice it should come up to {$70.00}. I spoke to the agent asking why am I being hit twice with over draft fees in a period less than 24hrs. He stated it was two different transaction. I asked to drop one of the fees. His reply was no. Whenever this bank realize that customers have money in their account they try different tactics to steal money from them. I am so tired of Wells Fargo unethical behavior and I am STRUGGLING MOM, trying to make ends meet with that XXXX I had to pay my water bill that has been turned off for the past 2 days, with me having small kids. I would greatly appreciate it if one of the fees can be recredited or all back to my account, so I can pay my necessary bills. 
Thanks in advance,

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 01/19/2018 about Debt collection (Medical debt) with Senex Services Corp. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: During the time of XXXX XXXX 2013, Senex Service open a file for XXXX XXXX Medical Center. My complaint is due to the fact that I was XXXX I never received any notice to collect any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: On  XXXX / XXXX /  XXXX  , I received an ema il from Chase Debit Card Fraud Prevention alerting me to 2 fraudulent charges on my debit card that  were made in the city of  XXXX  on the same day  ( one  for {$66.00} at  XXXX   XXXX   XXXX , the other for {$870.00} a t Best Buy  ). I calle d Chase , as directed in the email, to let them know that these were not my charges. Not only have I not been to  XXXX  in  5+  years, I also have never physically used my debit card, as any examination of my account will sho w ( m y husband is also on the account, and we only use the account to make auto-payments ).     While the {$66.00} was reversed, I am still in a dispute with  Chase about the {$870.00} charge to this day. I have been on numerous calls with supervisors in their claims department and have even conference-called the manager  at the Best Buy with a  Chase claims supervisor to try to resolve the issue. In total, between my husband and I, we have likely spent 10 hours on this disaster. Furthermore, Chase  has promised a minimum of 3 times to call me back to update me on the matter, and they never do. We just get letters saying that they are not reversing the disputed charges, despite promises of updating me.   
How could it be that they would reverse one c  harge and not the other, when they were made in the same city on the same day within hours of each other. Not to mention I called to let them know that these were not my charges! And have repeatedly called back to check on the fraud status. Also, again, as any examination of my account will show, I have never physically used the card previously. And yet I ca n't get anyone at  Chase to  help me.     The amount of time we have spent on this issue is absolutely unacceptable. It 's as if the consumer has no rights, and we are just to accept this fraudulent charge sitting down. How can that be? How can a bank as large  as Chase do   this? I am hoping filing this complaint will help me resolve the issue, so I do n't have to spend another minute fighting this ridiculous fraud and this joke of a claims department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A XXXX credit card tradeline is being listed on my credit report underExperian with account number XXXX. I was born XXXX XXXX XXXX and thisaccount was opened XXXX XXXX. I was a minor in XXXX XXXX. I was madeaware of this tradeline of being in collections status when I joined the XXXX XXXX inXXXX XXXX when they ran a credit check for my security clearance. I was deniedentering the armed forces right away based on this XXXX tradeline reportingthat is not and never was my credit card account. I contacted XXXX to rectifytheir credit bureau reporting error in XXXX and they said to me that I was lying andthat it was my credit card account. I shared with XXXX that I was only XXXX atthe time yet they did n't care. I was young and did n't know how to have their errorremoved from my credit reports. When I in-processed through XXXX XXXX financethey told me do n't worry about it that it will go away. I exited the XXXX XXXX in XXXX to go to college and had to do another credit check and the XXXX creditcard account was still there. I reached out to XXXX again and they said theyhad no records of me that I had to take it up with the credit bureaus. When I calledthe credit bureaus that were listed on my credit report they said they could n't helpme get the XXXX account removed because that I had to take it up with XXXX. In XXXX my college XXXX XXXX told me to go to XXXX todispute this account again and that if I signed up for a membership that they couldhelp me get this XXXX tradeline removed from my credit reports. In XXXX I joined XXXX saw that it was still on my credit reports. I filed adispute report on XXXX/XXXX/XXXX report # XXXX to help me get this XXXX XXXX card tradeline removed from my credit reports. I still have n't received anyhelp from XXXX to date on their reporting me having a credit card with themsince XXXX XXXX when I was a minor. XXXX is reporting this only fromExperian now. The tradeline does show that someone is making the payment as ofXXXX XXXX. The current balance is {$6800.00} with a minimum monthly payment of {$130.00} a month. With a credit limit on this tradeline of {$9100.00}. This is effecting myability to purchase a home as it is lowering my credit score due the revolvingaccount is over the 50 % limit. It is affecting me as a consumer of obtaining credit inmy name that I can actually utilize as a Washington State resident. I request thatyou please assist me in having XXXX have their credit card account removedfrom my Experian credit report immediately that is not mine. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery keeps calling my house and asking for people that do not live here, even after I have told them there is no one here by that name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: On   XXXX   XXXX   XXXX   I pulled my   XXXX   major credit reports from  XXXX . I noticed an account being reported by   XXXX   XXXX   XXXX   XXXX    that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around   XXXX   XXXX   XXXX   I received an updated credit report and a summary of the investigation that simply stated " Information validated as accurate ''. No reason, method, or support to that statement.
In the updated credit report I found that not only did they not resolve my complaint but they allowed   XXXX   XXXX   XXXX   XXXX   to update information on the account from charge-off with a balance of zero and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  X/XXXX  to   XXXX  , and tack on   XXXX   reports of 90 days late to account that had a previous balance of {$0.00}.
I then disputed this new information with all   XXXX   credit agencies with the investigation results once again stating " Information validated as accurate '' with out anything to support that statement.
I then proceeded to file a complaint with the BBB against  XXXX  about the matter. However, the BBB did nothing but open up a line of communication with  XXXX  No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.
I then made direct contact with   XXXX   XXXX   XXXX   XXXX  . Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for  XXXX  and hung up.
I am now in the process of initiate   XXXX   last effort to have the report corrected before I pursue legal advice on handling the 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 explanation
Consumer complaint received 03/28/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage is trying to charge for any payment for a mortgage other than an automated payment. I have never missed or been late for a payment and make them online. I do not wish to use their automated payment system as I do not want my information stored on their servers. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: my name is XXXX. i was attending XXXX when the school shut down. i have a private loan with American Student Financial Group my loan was for XXXX and they are saying i still owe them since they payed XXXX in full. i however disagree that i still owe them due to the fact XXXX did hold up there end of the deal by letting me complete my education. i have payed them what i have used which was almost XXXX dollars. I dont care to have my money back i just dont want to be responsible for this loan anymore. i have called them and they have said that i still do have to pay them

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with Receivables Performance Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/ 2017 from receivables performance.

amount {$640.00} Original creditor name is XXXX XXXX XXXX XXXX. 

I contacted to the collet company already. They didnt see any debts on my name or my credit history. I dont even know that either. 
Id like to know how it shows on the credit score checking website.

Company response to consumer: Closed with explanation