milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (RI).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from XXXX XXXX in XXXX XXXX approximately 5 years ago. I was contract to Wells Fargo Dealer Service for 54 monthly payment, I asked and received XXXX two ( 2 ) month extension. I have made all of my paymets. Wells Fargo Dealers Services, due to an error on their part, put insurance on my vehicle after I informed them that I had the coverage required. Both my self and the insurance company sent confirmation of the coverage. To date, Wells Fargo Dealer SErvices has not removed those fees from my account and they are now charging me late fess and interest on the late fees and interest on the interst. They raised my payment to {$310.00} and I have been paying {$320.00} but still my balance does not go down. I am now trying todispose of the vehicle but because of what they say is the remaining balance on the loan I am having serious problems. I called and asked them to please remove the interest on the fess and the interest on the interest and got no response even after the gentleman told me he wouldlook into it and call me back the next day. I then called Wells Fargo again and asked for the gentleman, Iwastold he was in a meeting and that he said that he was just washing his hands of the whole matter. So I am still without an answer, still not able to dispose of the vehicle and at the rate they are chargeing interst on fees and interest I will never pay this loan off. Is there anything that can be done to help e rectify this situation?

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 09/19/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (VA).
Issue: Struggling to pay mortgage

Complaint: I fell behind on my mortgage last XXXX. I used all of my saving to pay for my fathers funeral arrangements, but I did n't expect that my business would slow down ( I 'm XXXX ). I have been applying for a loan modification since XX/XX/XXXX with M & T Bank. I have applied and been denied 8 times and every time it was something different as to why I got denied. Each underwriter I have dealt with has requested something be done differently, for example, one underwriter wanted me to resubmit all bank statements because each deposit was n't circled when I had applied 4 times before that with no problems, another one said they could n't use my XXXX account as income because it was n't a business account when I was told in the beginning just to deposit money in my accounts and it did n't matter which ones as long as they could track my income ( and again I had applied before with no one having a problem with using both accounts ). I have yet to be given the correct way to apply because it always changes depending on what underwriter is looking at the application. Up untilXX/XX/XXXXof this year, they were including extra items in my expenses ( such as student loans, etc ) that were not supposed to be there ( because they are not due ), which cause me to be denied due to not enough income. I finally spoke with a supervisor who went over all the expenses etc as to why I was denied. She also told me they were taking out 13 % taxes but I was already taking out my own taxes before giving them an amount. So the following times I applied I sent proof of the student loans not being due and that other accounts were paid off. Recently I was denied again, now they are telling me that the tax rate is 25 % and here again I thought I was supposed to subtract my own taxes but that was n't the case. I am really trying to save my home, I have been here 10 years and never missed a payment until last year. I was still making monthly payments until XXXX when they changed investors and would n't allow me to make 1 monthly payment. I refinanced my home in XXXX and have been with M & T since then but it seems as if they do n't really want to help me save my home. All I am asking is for the past due to be put to the back of the mortgage so that I can continue to keep my home. I just recently submitted a new application on yesterday and hope that it was done correctly because again I have been applying for a year with the same information ( other than my income fluctuating ) and been denied for different reasons each time. I have not been given the proper guidelines as to how to apply and here I am almost at foreclosure. Can someone please help this company needs some consistency within their underwriting department but you 're not able to speak with anyone in that 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian data breach. call center unreachable. 134 million people affected and 2,000 call takers. numbers do n't match. web site unresponsive. information only available thru media. ca n't institute a credit report lock. web site only interested in selling additional products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: BRIDGECREST FORMERLY XXXX  XXXX XXXX XXXX XXXX, AZ XXXX  ( XXXX ) XXXX XXXX  is reaging my account. On my credit report it shows that I made a payment on XX/XX/XXXX. After submitting a dispute to the credit bureaus on XX/XX/XXXX and providing proof from my bank statements showing that no payment was made, they advised that I would need to take this up with the agency.

I have sent them certified letters on XX/XX/XXXX and XX/XX/XXXXin regard to validating the debt ; no has responded to me or the letters come back because the XXXX that they advise me to send this to is not a valid address.

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 10-02-2017 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt Recovery Solutions LLC tried to collect a {$460.00} XXXX debt several years ago. This debt is attached to an address where I never resided and the debt is not mine. I do not and have never had a debt with XXXX. I do not have any outstanding debts for that matter. I have impeccable credit. I contacted DRS years ago to resolve this and was informed that the account would be closed. Now, years later, DRS has reported a tradeline to XXXX When I contacted DRS, I was told I had to provide my SS # and I refused, but the representative did read aloud the last 4 of the SS # on the fraudulent account- it is very clearly not my SS #. The representative still said he could not do anything since I was not willing to provide personally identifying information. I contacted the company via their compliance email on XXXX/XXXX/XXXX and received no response. I filed a complaint with the BBB on XXXX/XXXX/XXXX. DRS responded that they had completely closed down the file and removed the tradeline from my credit report. After several days, it was clear that this did not happen. I responded via the BBB. DRS responded again and said they have record that this did happen on XXXX/XXXX/XXXX. I provided proof that it did not and DRS said, on XXXX/XXXX/XXXX, that they would look into the matter immediately and send an expedited deletion request to XXXX for the tradeline. I spoke to a representative at XXXX on XXXX/XXXX/XXXX who informed me that no electronic transaction had been initiated in any way by DRS. I opened a formal dispute with XXXX. I also responded again via the BBB on XXXX/XXXX/XXXX to inform that there is still no evidence that DRS has requested the tradeline be removed nor shut down the file. DRS is no longer responding. It is COB on XXXX/XXXX/XXXX and still nothing has been resolved. The fraudulent tradeline is still on my credit report and XXXX is still reporting no movement from DRS.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (ND).
Issue: Managing the loan or lease

Complaint: ACE CASH services have been threatening me to take me to court or for an arrest warrant for a loan I never took out. They send emails and call me constantly and try to get me to pay a debt thats not even mine. Very unprofessional and rude

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (MD).
Issue: Settlement process and costs

Complaint: We received a correspondence dated XXXX XXXX, 2015 from a XXXX XXXX, stating that she did a thorough review of the alleged " account ''. and it did not show any Loss Mitigation Activity. We immediately responded with a request asking what protocol CitiMortage use to determine Loss Mitigation? Was is in reference to the XXXX XXXX attested documents, or the trust filed with the sec.gov. ( already been satisfied ) Citi is well aware this is being disputed under the FDCPA. They have not answered our questions regarding their determination for Loss Mitigation? 
We will be pursuing remedy in a Court of Law for violations of the FDCPA and Maryland Consumer Protection Act, and criminal conduct. However, Citi should still have to answer our question regarding XXXX XXXX attested documents, or the Trust? 
CitiMortgage legal Counsel, who is also aware this is being disputed, again sent another letter stating that Foreclosure Proceedings were going to start. Even though this is alleged debt is being disputed under the FDCPA. The cat and mouse game is getting really old. 
The psa can be found at www.sec.gov, cik # XXXX, XXXX Series.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Home equity loan or line of credit) with BOK FINANCIAL CORP (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for a Home Equity Line of Credit through Bank of Texas. I was offered a 3.75 % XXXX Home Equity Line of Credit. After the underwriting department reviewed the loan, the offer changed to 4.25 % for XXXX. The processor and manager stated it was due to my Debt to Income Ratio. I requested to be informed on the calculation which greatly adjusted the terms of the financing and was told it was a proprietary calculation method and could not be disclosed. I have spent one and a half months of my time working with this company to obtain this financing which is greatly delaying the my project. I pulled information from XXXX website on how to calculate income and DTI ratios and have reperformed the calculations to find that my DTI ratio is half what the Bank is stating. Neither the manager or the processor was willing to work with me to correct the situation. They continued to give me reasoning on why it could not be changed. Below is a copy of the email I sent expaining the variances between their calcuation and mine. They refuse to provide me an explanation of the variance. 
My DTI without the Line of Credit I am applying for is 14.58 %. Well under the 40 % requirement for the offer product. 
The product originally offered has been altered due to a miscalculation on my DTI ratio. Attached I have provided an Excel worksheet on my income ( Salary, Bonus, Rental ) and DTI calculations with supporting documentation. I am concerned with XXXX things : Underwriting utilized XXXX. Utilizing XXXX different income calculation methods for my Nationstar Income I show this to be approximately {$1300.00} shortMy base pay is XXXX ( ( XXXX XXXX XXXX ) / XXXX ) = XXXX MoI received an Annual Bonus of XXXX ( XXXX ) = XXXXXXXXTotal Nationstar Monthly Income XXXX = XXXX + XXXX = XXXX XXXX + XXXX + XXXX / XXXX = XXXXXXXXUnderwriting is counting the Bank of Texas mortgage in my DTI although net rental income is being utilized which already accounts for this {$1200.00} paymentAttached is XXXX Form XXXX which describes how to calculate rental income and how to adjust DTI based on the resulting calculationUnder " Step XXXX. Determine the qualifying impact using the result of Step XXXX or Step XXXX. '' you will find the statements below which indicate this payment should not be considered or the result should be considered in DTI calculations : If the combined result of Step XXXX or XXXX is positive, add the positive amount to the borrower 's monthly qualifying income. Because the PITIA expense was included in the calculations above, do not add it to the debt-to-income ( DTI ) ratio. 
If the combined result of Step XXXX or XXXX is negative, include the amount of the loss in the borrower 's monthly expenses when calculating the DTI ratio. 
Using Method A since I have not provided lease agreements I calculated a ( {$14.00} ) Loss. This is the amount that should be substituted for the {$1200.00} payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX Select Portfolio Servicing , Inc purchased my mortgage from XXXX / XXXX, originally written in XX/XX/XXXX. My mortgage was written with an option to eliminate PMI insurance with a 90 % LTV and certain other requirements. For over 2 years SPS has refused to honor my PMI rider, investigate my claim, failed to respond to QWR 's and insists they only accept an 80 % LTV based on a current appraisal. I 've not paid for their appraisal until they honor my contract as written. SPS is in possession of all supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with BANK OF THE WEST (IN).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have four now over a week been trying to reach Bank of the West regarding unauthorized charges to my account I have had now a second major issue with this Bank I filed a dispute with the phone customer service representatives and was told that they would be emailing me a Affidavit of dispute since of course I 'm no longer in XXXX wish the bank is well aware of and that I was going to be traveling for work for the next week the bank has since then played games and manipulated me to believe if they were going to be emailing this form the same day that I file the complaint I believe they told me one and two business days they have not emailed the Complaint Form when I called the bank directly they told me that the person that was assigned was all for the day which is very frustrating to me that only one person handles one complaint you know per customer for this whole thing think so I was told another representative would be emailing me that form I called the bank again still not receiving the affidavit for me to file the dispute so it has now been almost over not almost has been over a week and I have about {$200.00} hours worth of my funds that were unlawfully unauthorized taken from my account and the bank is refusing to process the dispute I am extremely upset I will not only be filing a complaint with this Bureau out of the also filed complaints with any Bureau regulating Banks against this company this is the second major issue I 've had I 've never had to go through this much hassle trying to dispute a transaction Bank of the West has got to be the most unethical bank I have ever had to deal with and I am beyond tired of this I am also in the process of Consulting an attorney that can file a lawsuit on my behalf in the state of XXXX against this bank I am sick of these banking institutions taking advantage of its members holding our money hostage just about and then refusing to process transactions and the fact that I have been lied to repeatedly by representative after representative and I can only file a complaint through submitting a particular form that is unacceptable to me I am not in the state of XXXX I am in the XXXX XXXX XXXX region and the bank is very aware of this as they even mailed me my debit card to my new address so should n't be no type of hiccups and hang us about this issue and like I said they told me they were going to be processing the affidavit VA email I have not received it in my primary my all mail or my spam junk mail box at all they have not sent it at all and it 's been over a week I 'm extremely upset and I will pursue this matter to the furthest extent of the law that I am able to.

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 11-06-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XXXX XXXX I purchased a XXXX XXXX XXXX XXXX XXXX in the the amount of {$13000.00} that 's including all taxes and fees from XXXX XXXX, XXXX XXXXXXXX XXXX. I completed all paperwork including finance contract for the amount listed above. 

On XXXX XXXX I was checking another account that I have with Capital One and was surprised to see my car loan amount of $ XXXX realized that something unethical, illegal and possibly criminal occurred. I later found out that the financial XXXX, XXXX XXXX, added an extended warranty that I did not purchase. I put 2 and 2 together and realized that on XXXX XXXX when I went to pick the vehicle up is when this must of occurred. XXXX had me sign papers of which I received no copies. I thought this was part of the normal purchase process.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: TD Bank offered me a {$300.00} bonus to open a new personal checking account online. 
Bonus was contingent on the fact that I NEVER had a checking account at the institution. 
I called the bank to verify that I would qualify, since my only account at TD was a safe deposit box rental approx. 4 years ago in XXXX, Pennsylvania. 
I was told that I would indeed qualify for the bonus offer. 
After several weeks the bank tells me I DO NOT qualify since I had a checking account at the bank that was opened in XXXX 2015. I never ever opened such an account! In fact the bank wanted to charge me {$37.00} for said account and denied me access to my funds deposited in the new checking account until I pad the {$37.00}. After contacting the bank they agreed to remove the {$37.00} fee and CLOSE the account [ I NEVER OPENED ]!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX XXXX XXXX, NA Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX COLLECTION ACCOUNT XXXX IN Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Banking Creditor Name : XXXX XXXX A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EquifaxXXXX XXXX. Is reporting the same accounts multipleTimes. XXXX of the accounts on my report have been reported XXXX times by XXXX XXXX XXXX XXXX on my report giving me bad payment history and derogatory remarks multiple times for the same accounts

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have multiple inquiries that are unauthorized and have been removed and reinserted on ny repor t I will u pload all inquiries to be removed

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 02/23/2018 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated robocalls, almost daily, from mercantile adjustment bureau. The calls do not identify who is in collections or what the debt is for. It tells me to call a number with a passcode. I suspect the call is a scam and it will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home Mortgage from Nationstar Mortgage, on the first day of the month I will receive a call from one their employee asking me when I will pay my mortgage. Most months I pay my mortgage on the XXXX day of the month on other months it may on the XXXX day, but I always pay ontime. I would like for Nationstar Mortgage to stop calling me unless my payment reaches them after the XXXX of the month. The calls are very condescending and the calls come when I am in meetings, they do n't seem to care when they shame me. Thanks

Company response to consumer: Closed with explanation