milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2016 about Bank account or service (Other bank product/service) with KEYCORP (WA).
Issue: Account opening, closing, or management

Complaint: I have XXXX accounts that are not being used. First account is XXXX is a Preferred Credit line I have paid off and not used. Now I see I have been charged XXXX dollars I can only assume it is a " maintenance charge '' that I do not have a clue what they are maintaining. The second is a cash reserve credit line that I have't used for about a year. And now they have a annual fee of XXXX dollars. When I initiated this credit line I thought that they were benign until I activitated them again. Not so this is insidious and underhanded that I am hit with an XXXX dollar charge for not using these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is not returning calls to my insurance company to rectify my mortgage insurance escrow due. XXXX XXXX and myself have even conference called Wells Fargo and no one is getting back to me or XXXX My monthly insurance escrow increase per state farm is $ XXXX/Mo NOT $ XXXX/mo that Wells Fargo is stating the increase is.

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 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX XXXX, XXXX, XXXX, XXXX XXXX : Attempted to confirm receipt of payment. Did not go though. XXXX XXXX : Asked for reason why multiple attempts to update bank account were unsuccessful. No reason given. XXXX XXXX : Requested removal of authorized user. Rep stated that she tried but the system would not allow her to do so. Request employer is number or extension - Rep refused & said that anyone could assist

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IN).
Issue: Problems caused by my funds being low

Complaint: An auto-payment I had cancelled was mistakenly processed on XX/XX/XXXX, which is responsible for putting my checking account into overdraft. I am not responsible for this payment being processed, and should not be responsible for ( 3 ) {$36.00} overdraft fees totaling {$100.00} that PNC has withdrawn from my account. Again, I suspect they are processing my transactions in such a way as to maximize fees ( profits ), had the larger payment been processed after the smaller payments there would be only ( XXXX ) fee. Branch manager will do nothing. PNC has charged me multiple hundreds in overdraft fees just this year. How long will the crimes continue unchecked? I demand these fees be REVERSED IMMEDIATELY and refuse to fork over {$100.00} to the bank for a mistake I did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage account was paid off, and I expected refund of the escrow balance + unused interest. The bank did not send the final statement and cut off my online access. Luckily, I kept the web records, and calculated that they quietly reduced the refund. When questioned on the phone, they reluctantly admitted that they charged different fees. No such fees were expected, disclosed or authorized by me. I specifically asked the new lender, who received the payoff requirement, and have the emails explaining that only the interest was the factor and would be prorated based on actual payoff date. The bank representatives were putting me on hold and could not come up with the straight story about the fees. On XXXX XXXX, however, with my persistence, they agreed that there was {$130.00} added and promised to send a check for {$60.00} stating that remaining {$75.00} they could not refund : Supposedly, it was a recording fee to my county. My new lender had all the settlement fees disclosed, and everything was covered by the new loan. I think that they are hoping that I give up. It is very difficult to reach someone using the customer service number they provide, they do not direct you to a helpful department without much pain, use long holds and make promises like sending a statement or making a case that would be acted upon that they never plan on executing - one manager even admitted that.

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 11/30/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to LoanCare and my first payment was due XXXX/XXXX/16. I sent it off via my electronic bill pay on XXXX/XXXX/16 and went out of town for 3 weeks. Upon return in late XXXX, they called and said they had not received it. That day I sent an email with proof of payment from my bank account, and they said they would research and contact me in 48 hours - they did n't. I called them ~1 week later, they were researching and confirmed it would n't be on my credit and they would waive fees. I called ~1.5 weeks later, after some back & forth ( they misapplied XXXX pmt as XXXX pmt ) I resent more information via email - was told they 'd get back to me in 48 hrs, they did n't. I was told again, it would n't be on my credit. On XXXX I received an electronic credit to my bank acct for the XXXX payment, so I sent it off again immediately ( they now have XXXX pmts in XXXX ) The reported me as a late payment in XXXX on my credit causing me to have issues closing my current loan. I 've now called them almost on the hour for the last 24 hours, and have been disconnected while on hold 5 times ( I 'm not making that up ) and spent hours trying to resolve. They say they will call me back and they never do. They are telling me it will be 1 week to research - I 've given them ample time since I 've followed up with them since XXXX and they have all of my bank statements at this point. I just need a letter stating they will delete it. I feel like a victim - they made an error that will cost me, they wo n't call me back, they 're going to take time to research, and they disconnect the lines when I call them. I 'm so emotionally traumatized that I ca n't express how upset I am in this email. I need a deletion letter " yesterday '' in order to proceed with my loan - otherwise I lose my earnest money, interest rate and the home I made the offer on, and all because of an error by LoanCare. I 'd work with them and just take a letter at this point, but they wo n't even do that. They should be investigated, and not allowed to service loans if they are not going to answer customer questions about our accounts, and are incorrectly managing their accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Taking out the loan or lease

Complaint: A few months ago, my daughter wrote to the Consumer Finance Protection Bureau about Santander and I wanted to put my two sense in too because Santander is an awful company. It preys on disadvantaged people. 
I am on a fixed income. I no longer work because of my XXXX. However, I had a need for a car because transportation is very limited in GA. So, when I was approved for Santander I was naturally happy until I realized these past years what they have been doing to me and many others like me. 
Most importantly, I am writing this email because while rifling through my paperwork I noticed that the contract I had for Santander does not match my car. I requested ( had my daughter to request ) a copy of the original contract from Santander a month ago and I have yet to receive a copy. I think they are aware of their error but continue to collect money from me for a car that is worth less. The only paperwork I have does not match the car I have. It was a while back and maybe I am mistaken but I will attach the information I have to prove this error. I have asked them to send me paperwork to verify and have been ignored until this day. I have tried to establish an online account with them to keep track of activities and payments and I have been told I need to pay the entire amount due first in order to gain access. How am I to track and verify all the fees I am being charged? So, I am writing this letter to get some kind of response and help for their deceitful ways. 
I am old, tired, and XXXX. I do not wish to continue fighting with this company, they wear me out. I just need help and clarification. I am very disappointed in Santander. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Started repaying my loans in 2010 to XXXX XXXX which is now Navient. I have been struggling since then to repay my student loans and have been living below poverty level to make sure that my bills are paid. I contacted Navient several times to try to set up a payment plan that I can afford. They refuse to work with me and I just can not afford their idea of a payment plan. My parents offered to do a settlement and the representative refused and was rude and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX complaint On XXXX/XXXX/XXXX, XXXX EST, I faxed my SS Card, marriage licence and birth certificate. I have proved my identity, I EXPECT A RESOLUTION! I was also never notified by Equifax that I had to submit my ID before they 'resolved ' my complaint I got a rejection letter from Capital XXXX Auto XXXX XXXX dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in. 

***can not check Equifax credit online by answering the XXXX security questions as myself. Equifax has me confused with my sister in law, who has lived at the same address for overlapping times as me, XXXX XXXX XXXX. *****

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan modification began in XXXX of 2015 ; out company XXXX sent in a complete modification packet and the bank began processing the application. The bank is refusing to grant a modification because they claim that the client make too much money. However, the bank has refused to take into account the fact that the client incur unreimbursed employee business expenses ( per their tax return ). Despite Wells Fargo 's usual custom & practice of allowing unreimbused employee business expenses to reduce the income valuation, Wells Fargo has for some reason refused to do so in this case. They have, instead, gone ahead to schedule a foreclosure date of XXXX XXXX 2015 without any reason for doing so. They claim that because they have sent the client 's file to a " Reentry Team '' which has imposed an absolute bar on the file getting approved for a modification. 

Wells Fargo has, for no valid reason, violated the client 's right to a Fair Review Process and have rejected any reasonable avenue to avoid foreclosure on this home. Every time our company has spoken to a Wells Fargo Loss Mitigation agent, they have always been bent on having the foreclosure process completed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Recently I disputed a bankruptcy with transunion that was verified as acurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that transunion is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my transunion report and has long been gone from the other credit reporting agency 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: The Owners/Parents both XXXX XXXX within the last year. Probate court just finalized and the children are now the new owners ( XXXX kids, 25 % each ) OCWEN will not allow any of them to discuss the matter of the property because the now XXXX parents did NOT give them proper authorization. The sale date is today X/XX/217 at XXXX. Ocwen will NOT allow probate paperwork to be provided. 

Owen is working in poor faith to resolve this matter. They are requesting 3 Business days to review documents, but they are trying to foreclose within the hour.

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 12/25/2015 about Mortgage (Reverse mortgage) with Finance of America Reverse LLC (MD).
Issue: Credit decision / Underwriting

Complaint: Urban Financial Of America in XXXX, XXXX was transfer my case after XXXX 2015. When there were problems with the XXXX XXXX office from XXXX, 2015. I applied for a Reverse Mortgage with this company. Informed them I had good credit however, my identity was stolen after I retired. I submitted every document to prove this horrible experience. Police report, letters, information from the XXXX credit bureaus, and correspondence from other companies to prove my fraud. This company has requested information over and over again. There are stacks and stacks of paperwork I have received from Urban Financial. I have been patient with this company since XX/XX/2015, but they are still stringing me along. I have been upfront with since Urban Financial, they contacted ME for my business. When I was looking for a reverse mortgage and guarantee this was not a problem and have me APPROVED in a few weeks. 
I am very frustrated with this company. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I paid my cable bill with XXXX and they still reported ad 3 months late on my credit report and sent my bill to collections because they said I owed them equipment which I already gave back to them and paid my bill on time however I do not have the bill that XXXX paid but I know I gave them the equipment back and paid my bill. They put on my credit a collection and kept harassing me even though paid my bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding LLC sent false debt collection information to XXXX XXXX XXXX Attorneys. The original creditor is XXXX XXXX Bank, XXXX. The debt in the amount of {$590.00} do not belong to me nor have I done any business with either of them. I notified the Attorneys office and they are suppose to remove this false claim from my name. What upsets me the most is that Midland Funding LLC assumed individuals with the same last name is associated with a debt their trying to collect. I 'm tired of these credit card companies submitting false claims and the credit bureaus are just as bad accepting false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a U.S. Department of Education federal student loan that is being serviced by XXXX XXXX and the guarantor is Nelnet. The total loan balance is {$3700.00}. The account number is XXXX. I applied for a XXXX discharge because I am XXXX, I receive {$1000.00} monthly in social security XXXX income and this is the only income in my household. I can not afford to repay the student loan balance due to my fixed income. I barely have enough money to buy food after paying for housing and utilities. I provided Nelnet with the completed XXXX discharge documents and a letter from the social security administration stating that my XXXX has been certified for 3+ years. Nelnet denied my request for XXXX discharge because they request a XXXX certification of XXXX years. I have spoken with the social security administration and they have advised me that there is no such thing as a " 5-7 year XXXX certification. '' I reported this information to Nelnet and they still refused to reconsider my request for XXXX discharge. The Doctor that previously certified that I am XXXX has retired and is no longer a practicing physician. Instead of acknowledging the 3+ years of XXXX ( + means greater than 3 years ) Nelnet insist on making my life a living by requiring 5-7 years of XXXX certification. Please note that I have received social security XXXX since 2005 - present day. I have been approved for my LAST forbearance and I am terrified of what the outcome will be when the forebearance ends because I can not afford to pay. 

In addition, my student loans are result of me pursuing a degree at XXXX University. I only took XXXX course at XXXX University, a For-Profit educational institution. The tuition was astronomically high. 

I am requesting that my student loan balance be discharged as a result of me being permanently XXXX and I am requesting that my student loan balance be discharged as a result of me accumulating unnecessary student loan debt because I was taken advantage of by a For-Profit college, XXXX University. 

I sincerely thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is a hard inquiry that I did n't authorize from XXXX 2017 completed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX XXXX.I do n't contacting everyone listed below as well as XXXX and their customer services would not help and take care of the negative inquiries reporting on my credit report. I demand to see a copy of the Verifiable Validation Proof ( of the original consumer contract with a wet-ink signature on it, copies of copies are not validation and by law are not considered proof ), that you have filed for the accounts listed above. Once your investigation is completed, and you find my allegation to be true, please remove the unauthorized inquiries.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ON XXXX/XXXX/XXXX I learned about a cyber-attack on Equifax. According to Equifax, I may be affected by this hack, meaning that I may become a victim of identity theft due to Equifax inability to secure my personal information. They offered to provide a identity monitor service, but at the cost of giving away my right to participate in a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I have an account with Wells Fargo, I got money on  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  , when I saw my account on  XXXX / XXXX /  XXXX   I had not money on my account!, I made a report to Wells Farg o ( t hey took {$300.00} ), f that were disappear from my count, they said I got the money on  XXXX / XXXX /  XXXX   and after it they said a different date they said  XXXX / XXXX /  XXXX  , but I did n't do this transaction!!, Wells Fargo took {$300.00} dollars from my account!! I was saving this money for my  XXXX  mortgage payment!, they still telling me I made the transaction. but I did n't do that, I want to make a complain because they stole money and does n't wants to be responsible by they actions.

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