milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Why have I had to apply for Loans to be " Discharged '' OVER & OVER again?

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job and I am late on my mortgage payments. I want to work out a suitable solution for the bank and myself. The bank sent me a packet, I completed it and returned it to them. Approximately XXXX later I received a notice that my submission was incomplete and I needed to resubmit certain documents. I faxed these docs to the number listed. Another XXXX weeks passed and I received a document taped to my front door saying my home was scheduled for Sheriffs sale on XX/XX/2017. I am just looking for an opportunity to solve this issue, to include selling my home if necessary. I just need to speak with someone that has the ability to delay the sale so we can work out a resolution in good faith. 
Thank you.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, XXXX, and Experian. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 01/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: GreenTree/aka Ditech XXXX XXXX XXXX XXXX XXXX XXXX sold our mortgage to GREEN TREE who never notified us we had no ACCT # when we found them with the help of XXXX they took all of our next XXXX payments & applied it towards interest? 6 mnths to straighten that out!! Green Tree than with held our disability/accidental insurance payment in UNapplied Funds ... 3 mnths to FIX!! Talking to our XXXX insurance now we pay them direct & we spent another mnth getting the funds we paid to GT that was for insurance!! Than they pertain to buy us insurance they said we had no homeowners .GT was now going to bill us for more expensive insurance!! I took the letter to our insurance Company from XXXX to XXXX my insurance company FAXED the paper work 6 times & GT kept saying they were not getting it!! They keep our over payment in UNAPPLIED FUNDS They request & MAKE ME FAX & send CERTIFIED letters $ $ $ $ cost me lots of $ $ $ to put it in writing to ask them to apply my payment to our PRINCIPAL ... so we are being CHEATED on our Balance because FUNDS ARE HELD BACK. Than they really SCREWED with our ESCROW CHECK & XXXX off our Treasure played games saying they have XXXX 'd the check..when they never did. Now they billed me {$150.00} for an over payment on Escrow and when I was requested to send that out it was NEVER FOUND/or Applied to our loan when GT/DITECH researched this my Representative From GT had given us the wrong XXXX XXXX XXXX for XXXX CA ... our principle is off!! Interest # s off!? payments not applied when received? Months of never receiving a STATEMENT so we could not see our BALANCE!! NIGHTMARE CITY that is what GREEN TREE/DITECH/ XXXX COMPANY HAS DONE WITH OUR MORTGAGE ..BUT I have the letters..the documentation the WITNESS 's & paper trail GALORE to back all this up and it is my Goal with the thousands of other people being treated this way & you can read their story 's on line just by punching in GREEN TREE!! They have a whole XXXX LINK HEADER STOP GREEN TREE? DITECH/XXXX COMPANY!! This is the worst Company EVER to get a LOAN FROM!!! Two Years every 30 days we have to call to get our unapplied funds applied to our principal this Company is CRAZY ..you get XXXX number XXXX..you are either put on hold, transferred or hung up on!! The one day they put me on hold & went home? Found that out when I called back the next day!! There are XXXX Links that I found with people /strangers from CA to Pennsylvania to Florida & I am in Wis. that tell my story on line and I do not know them? This Company needs to be shut down!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WA).
Issue: Deposits and withdrawals

Complaint: Last year, I finished my unfinished basement. It cost approximately {$40000.00} for heated floors, wall to wall cabinets with granite counter tops, and drywall. In XX/XX/XXXX my basement flooded, causing about {$30000.00} worth of damage. My insurance comany, XXXX, wrote an insurance check for approximately {$23000.00}. XXXX wrote the check out to myself, my spouse, and Wells Fargo Bank. I tried to deposit the check on XX/XX/XXXX, at my local branch in XXXX. Wells Fargo told me that they could not release the funds for several days, and then they could only release XXXX of the funds. It has been almost 3 weeks, and they have not released any funds. I have already paid my contractor several thousand dollars to lay new heated floors and tile. That money is MY money, it does not belong to Wells Fargo. I pay the insurance premiums, and I paid for the initial remodel. Wells Fargo, even though they are the lien holder, does not have a right to hold that money. I need the money from my insurance company to pay my contractor, and they will not release the funds. I have a basement full of furniture in storage, and every day is costing me money. Wells Fargo should immediately release my funds, and should also pay for the delay in my project, including storage fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I keep getting phone calls from this collection company at my place of employment. I have never given them permission to call my employment and if this continues I could possibly lose my job. I do not wish to get calls from them at my employment and this needs to stop immediately. On XX/XX/XXXX-the receptionist sent me this email because I was with a client and the person was rude to her, " Call from XXXX with Portfolio Recovery Assoc. needs a call back at XXXX. '' Today, the receptionist received another call from " Please call XXXX XXXX XXXX ... ask if anything else in the message, she said no.. '' I looked the number up and it was Portfolio Recovery Associates XXXX They have called several other times and again I can not have this going on. Is there anything I can do about this issue and if I loose my employment can I go after them for compensation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: Wells Fargo Home Mortgage has not sent me what I have requested for the last 3 months which is the closing documents sign in 2009 as I have requested time after time. Wells Fargo Home Mortgage keeps sending me refinance documents in which I have never requested and a bunch of papers of the same thing in the package. 

I want the closing documents in 2009. I have my documents that was giving to me with over 20 signatures lines left blank. Wells Fargo Home Mortgage has been advoiding sending only what I have requested. 

There are several issues with the documents as other documents that have yet to be authenticate signatures that are in question on Wells Fargo Home Mortgage.

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 03/30/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Experian had XXXX hard inquires on my credit report from XXXX XXXX on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/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 05/22/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: In   XXXX   XXXX  , I received a notice from Bank of Americ a ( BofA ) st ating that my mortgage account is being transferred to  XXXX   XXXX   XXXX  (  XXXX  ) effective   XXXX   XXXX   XXXX  . No problem. At this point, I had an outstanding balance of {$7600.00} under BofA. In   XXXX   XXXX  , I received a statement from  XXXX  stating that I owed an outstanding balance of {$20000.00}. WHATTT!!!!! I wrote  XXXX  on   XXXX   XXXX   XXXX   disputing the outstanding balance. I received a letter from  XXXX  dated   XXXX   XXXX   XXXX   ( and received    XXXX   XXXX   XXXX     )  stating that I owed {$11000.00} for " property preservation ''. I do not dispute the " property inspection '' or the " property registration '' fees, even though I do not know why I 'm paying these fees. I am disputing the fee of {$11000.00} for " city/notice violation ''. This was the violation incurred by BofA when they did not list my property as foreclosed under  XXXX   XXXX   XXXX . I contacted BofA numerous times for them to pay this violation ( not incurred by me ) and they contact me via email on   XXXX   XXXX   XXXX  , stating that these violations were resolved. It seems that this violation is not resolved and I am being stuck with the charge.   XXXX   stated that I had to revolved this issue with BofA in order for this charge to be removed.  BofA  did not resolved this charge and I need your help to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 'm a victim of identity theft so there 's a lot of increasing on my report I already contacted the creditors and they said they already send out letters to the creditors to remove the increase that does n't belong to me and for some reason XXXX and XXXX not removing them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I initiated a dispute XXXX/XXXX/XXXX with all XXXX credit bureaus ( XXXX, XXXX, and Experian ), because the original creditor failed to respond to my requests in XXXX/XXXX/XXXX. I allotted each bureau with time and documents supporting my claim that this credit entry DOES NOT belong to me. It has been over 30 days and rolling 60 days ... .I have not received an update regarding my dispute. However, when I log into my online accounts with the credit bureaus, the entry has not been updated nor removed. I feel I gave more than enough time to resolve this dispute. 
I think the original creditor, XXXX XXXX, is behind this ignorance. Either party ( the bureaus or XXXX XXXX ) should have contacted me by now. This account does not belong to me in the first place. I contacted the bureaus in XX/XX/XXXX reporting fraudulent activity on my credit profile, and then Federal Trade Commission in XX/XX/XXXX when more entries were appearing on my report. 
Please help me resolve this dispute. 
I sent the fist letter to the credit bureaus by regular mail on XXXX/XXXX/XXXX. 
The second letter certified on XX/XX/XXXX*XXXX tracking XXXX XXXXExperian XXXX XXXXMy postal has expected delivery dates ranging from XX/XX/XXXX-XX/XX/XXXX. 
Meaning each bureau should have received my 2nd dispute by now. Please review the attachments and contact me if you need any additional information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (NJ).
Issue: Application, originator, mortgage broker

Complaint: ON MY CREDIT REPORT A COMPANY CALLED DITHECT, I HAVE Disputed THIS ACCOUNT WITH credit bureau 's and then they the credit bureau Company contacted them and then all of a sudden they contacting us ... it 's been a charge off for a long time over 7 years ..now all of a sudden they reporting it recent and ca n't even list what the amount of payment..we never had a mortgage with Dietech. I had to put a fraud alert on all the Credit bueru 's this is one thing..the other thing is a company called XXXX ... they are another one reporting as charge off and with a comment unable to reach us..well us never had any contract with XXXX..and we never moved, never changed phone number, and now they reporting it as recent date while it should be removed..it 's way past the FCRA of 7 years And they also could not put the amount of payment..they broke the law and I will be filling a lawsuit against the credit bueru 's for doing this and allowing it and also for mental harassment on making our credit to be effected ... the credit bureau 's ca n't report one thing and then update with dates and numbers ..., done we are at our end of being harrased..please help seek why credit bueru 's are allowed to break the laws just because some company that does not even belong to us told them this is updated dates and numbers .it 's against FCRA law to do this..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Rewards

Complaint: Discover is running a promotion where they are giving 10 % cashback for all purchases made via Apple Pay in store until XXXX/XXXX/15. I have made numerous purchases using Apple Pay but discover has not honored many of the purchases because they added a clause several days into the promotion that says " gift cards are excluded. " To enforce this clause, they are now blanket rejecting many purchases above a certain amount and requiring customers to provide receipts to show whether the purchase is or is not a gift card purchase. No where in their terms of service does it state that customers need to retain receipts and then send them to Discover. 

This is a blatant attack on consumer privacy and has shifted the burden of proof to the consumer when it is the credit card company that should be the one verifying purchases. 

If Discover wants to exclude gift cards, they need to do it accurately and without requiring customer receipts to be sent to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: Citibank acknowledged that I qualified for a promotional balance but did not pay when they said they would, and now are requiring me to file a XXXX for some reason.

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 12/27/2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (NM).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I applied with my husband to open a checking account and was denied because the bank, XXXX XXXX XXXX XXXX XXXX was unable to verify my Date of Birth through a system called " ChexSystems. '' They could not provide me with any further information and just said I would have to call Chex Systems. I attempted to call them, but it is just a recording -- you ca n't even speak to a real person. The only automated option was to request my report, which I did. I received it a couple of days ago and it contains no information. All it has is my name and address on it. This is insane. In my 35 years, I have opened bank accounts, credit cards, had mortgages, and car loans. I ca n't get any further information from ChexSystems and do n't know what to do if they do n't correct their information.

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 08/26/2016 about Bank account or service (Other bank product/service) with CHARLES SCHWAB CORPORATION, THE (NC).
Issue: Making/receiving payments, sending money

Complaint: I used Charles Schwab 's Bill Pay to make payments on a XXXX XXXX loan that I had paid current since XXXX. In XXXX XXXX I set up the account to autopay the loan through the loan 's final payment in XXXX. Instead of doing what it was supposed to do, the system overrode the date I put in and set XXXX XXXX as the final payment date. In XXXX XXXX, XXXX XXXX sent a letter threatening collections, and that was when I first became aware that Bill Pay had failed. I paid the loan payments current, and then had the Schwab rep get on the phone with the XXXX rep. The Schwab guy said that the error was likely a Schwab system error, but refused to send a letter or email to XXXX because of legal liability issues. Apparently this is an issue they are aware of and are trying to limit liability with very little thought as to how it harms customers. Schwab now refuses to admit its error and instead is telling me that I put in the wrong date. They did not review their system or provide any evidence to counter my witness testimony. 

The net result is that my credit has been negatively impacted. I 'm trying to buy a house, and the past due is hurting my credit score and could well cost me thousands of dollars more in interest expense. 

Since XXXX continues to report my " late '' payment from XXXX, I will submit this complaint each month until Schwab resolves it. Please treat it as a brand new complaint, since every time XXXX reports this it affects my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (PA).
Issue: Deposits and withdrawals

Complaint: Ally Bank charged an overdraft fee when, on my account, it is clearly stated that the deposit posted before the debit. They said there was a " hold '' placed on the deposit, but there is no record of it. When asked to refund the overdraft fee, they said no. This happened once before and they admitted their mistake and refunded the fee. 2nd time around? No refund. After going round and round with them, they STILL could n't tell me WHY I was charged the fee other than the " hold '' on the deposit- again- even though the deposit was posted AND time-stamped BEFORE the debit.

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 12/28/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Lowe 's ( Synchrony is the what comes up on the caller ID ) has called at least daily since we were just 4 days late with our payment. They call during the day but also between XXXX at night! We have a young family and this is incredibly disruptive. We are aware we are late with this payment and I told them we would pay as soon as my paycheck is in, which is this week, but they have not stopped. We have now had the phone off the hook for the past few days because it 's gotten so bad!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Why would I have to pay almost XXXX} to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?

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 12/28/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received a XXXX showing the cancellation of the balance with my creditor. I disputed the balance on my credit report because it was still showing the full balance when it should now show as zero. I received notification on XX/XX/2016 with a letter dated XX/XX/2016 that it was investigated and the balance was set to zero based on the info I provided. Then on XX/XX/2016, they changed the balance back to where it was before. No notification. I only found out because of a credit alert with another company. They also somehow changed my last name to a typo. Not sure where they got that information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting repeated calls from this number, more than once a day. If I call it back it puts me on hold to wait for someone.

Company response to consumer: Closed