milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a complain with Transunion about removing an old student loan account ( Ohio XXXX University ) from my report ( file number XXXX ). The result of the dispute came back with " new information '' instead resulting in dropping my transunion XXXX score by XXXX points. Transunion and the creditor claimed that the account " First delinquency date was XXXX XXXX '' but the is not accurate as I have never made a payment on this loan since origination. Loan origination date was " XXXX XXXX '' and this has passed the 7 years as of " XXXX XXXX. '' Thus the " the negative information '' should be dropped from my Transunion report. 
Furthermore, Transunion claimed it is up to the creditor ( Ohio XXXX University ) to remove the negative information from my credit file. However, it does not make sense since the same complain was file with XXXX and XXXX removed the information from my " XXXX credit file. '' Finally, I requested explanation from Transunion as to why my score dropped, they can not explain why my score dropped XXXX points after this dispute ( No other recent activity happen in my recent financial history ). Then Transunion is asking me to show proof that I never made payment on this student loan so they can remove it from my file - But I told them that I have no way to prove it and that Ohio XXXX surely has no record of payment made by me. 

Note : The same dispute to romve " ohio state XXXX. loan '' was filed with XXXX ( file # XXXX ) and they removed the account from my XXXX credit file. 

Thank you so much for looking into it.

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 12/30/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.

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 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 311 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possibile. 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 03/18/2018 about Checking or savings account (Checking account) with FULTON FINANCIAL CORPORATION (MD).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I opened an account with XXXX XXXX online in XX/XX/XXXX in a process that took a few minutes. I never received the debit card for the account. I called a few times and they said they can't issue a new debit card without the account number. I never received a debit card or checks or anything with my account number on it. Their solution is for me to go into the branch but I moved in XX/XX/XXXX and do not live near a branch. I would have to take time off work to go. I tried to just close my account to end the headache but they said they can't do it over the phone and that I have to mail in a letter. After mailing the letter they told me it had to be notarized and that they couldn't close it. 

I just want to close this account and get my {$25.00} back. If I opened it online and confirmed the opening with a phone call I don't understand why I can't close it over the phone after providing all of my personal information. I have closed bank account over the phone before. I feel like they are just making it difficult so that I won't follow through with closing it.

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 09/19/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: SPS Select Portfoloio Servincing , Inc. continues to send someone every month on Saturday to deliver notes to contact them at XXXX. In addition, they take photos of the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: They put repo on my credit report and I have my vehicle

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 05/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Equifax required me to purchase a credit report from them for {$15.00} just so I could find out if my account had a credit freeze on it or not. I should not be required to purchase a product just to find out about my own personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: TO WHOM IT MAY CONCERN : RE Loan Number : XXXXThis is a Notice of Error filed against Ocwen Loan Servicer for violation of CFPB Servicing Rules 1026.41 ( d ) ( 1 ), 1026.41 ( d ) ( 2 ), 1026.41 ( d ) ( 3 ). 

According to recent news reports Ocwen is broke and I believe that the company is trying to recoup monies from customers like me so they can pay the monthly advances on delinquent loans in their servicing portfolio. 

These blatant violations of federal rules are adversely affecting my mental and physical health. 

I am a retired senior citizen, living on a fixed income in XXXX and every penny counts. 

That is why Ocwen 's practice of repeatedly increasing the amount of monies they claim I owe is so disturbing. 
A quick recap : I signed a modification agreement in XX/XX/XXXX and agreed to pay monthly amount of {$1500.00}. This amount included escrow to pay my insurance and taxes. 

I paid the agreed amount on time every month. 

Unfortunately, Ocwen does not recognize the terms of our agreement and has changed my monthly payments XXXX or XXXX times since XX/XX/XXXX. Of course, the change is always an increase in payments - not a decrease. 

I filed a Notice of Error in XX/XX/XXXX, because Ocwen stopped sending me a periodic statement. 

Ocwen referred the complaint to their law firm XXXX XXXX, who responded with a package of information, none of which answered my complaint. 

However, Ocwen did begin sending me monthly statements in XX/XX/XXXX. Unfortunately, those statements are filled with errors. 

The errors were in the escrow category, and after repeated attempts to resolve the errors over the phone with Ocwen reps, I decided to pay my property taxes and insurance directly, instead of paying into escrow with Ocwen. 

In XX/XX/XXXX, I mailed a letter to Ocwen, stating that I am going to pay property taxes and insurance directly, and cancelled the escrow. Ocwen sent me a letter dated XX/XX/XXXX stating it had received my Notice of Error and was researching the issue. 

I never received an answer regarding escrow, but paid the {$1600.00} which included escrow in XX/XX/XXXX. 

In XX/XX/XXXX, I paid only the principal and interest in the amount of {$600.00}. I refuse to pay escrow to Ocwen because they are mismanaging the funds. It is my right to suspend payment of escrow upon notice given. I have noticed Ocwen of my decision. 

What do I want? 

I want to manage the payment of my taxes and insurance directly. I will no longer pay Ocwen escrow. 

I want Ocwen to correct the errors in my statement, apply my payments to principal and interest, and remove all fees. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: XXXXThis complaint is a supplement to the Office of the Comptroller of the Currency case # XXXX. According to that complaint, Chase bank claims a factual dispute between myself and the bank employee who entered the errant address XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx. XXXX, based on my instructions. And of course, I dispute their claim. In addition, this subsequent complaint seeks answers to the following questions and request documents that Chase failed to address in their previous response dated XX/XX/XXXX : a ) Is their bill pay envelopes required to have a return address ;, b ) if so, provide proof that the XXXX, XX/XX/XXXX and XX/XX/XXXX carried a return address, tracking code, or mail meter stamp ; c ) provide copies of the front and back of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX signed checks by Bank Manager . Based on the bias assumption held by the bank manager that XXXX XXXX provided errant information, did that perverse assumption interfere with her doing her job of monitoring the paper checks for accuracy before signing them? The only way for us to find out what the bank manager 's actions were is to have the bank produce these checks. The original scenario suggested by XXXX XXXX is more fitting as to what happen then the prevarication offer by the Bank. XXXX XXXX suggested that the clerk entered the wrong information and that when the Bank Manager realized that she signed the paper check with the wrong address, she and her employee colluded and manufactured a bogus story. I am requesting that your agency have Chase bank show proof that the XX/XX/XXXX and XX/XX/XXXX were mailed out and given to the mail man for delivery. Also, state the names of the employees who mailed out these payments. Please explain how both the XX/XX/XXXX and XX/XX/XXXX became available in my account at once after I notified the bank of 55 day car default notice. It appeared that no one noticed the fictitious address until after the delinquencies occurred. I ca n't believe a bank customer service rep entered a wrong address, a bank manager signed the check with the errant address, a postal worker, and a financial company accountant failed to notice a city called XXXX, Tx. each time they processed these checks. Finally, I am requesting that Chase explain why I was mailed a fraudulent letter on XX/XX/XXXX signed by a non-existing employee, XXXX XXXX, who did n't work in that capacity reflected in the letter. Please identify the employee by name and the reason they generated the letter which implies that the bank committed an error.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I went to the Bank of America on XXXX/XXXX/2017 to deposit my refund check into my personal checking and was informed that the check would be placed on hold for different dates, first date given was XXXX/XXXX/2017 and released at XXXX, the other date was for XXXX/XXXX/2017 at XXXX. And I was certain to have the fund for {$200.00} released on XXXX/XXXX/2017. I saw the funds for the {$200.00} today and then it was returned to the bank. They instructed this was certain to be released and no additional problems with the hold on the check. I had a choice to decide whether I would like to deposit the check or go somewhere else. But I was told the correct information then I would have went to another location or another place to cash my check. I did state it was important that I receive those funds by that date.

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 08/29/2016 about Debt collection (Auto) with VW Credit (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A creditor sent me a fraudulent bill for {$1800.00} in XXXX XXXX. I sent the creditor a letter to cease all communications and confirmed that I disputed the charges. See attached letter. The letter was sent certified and the United States Post Office records confirm it was received by the creditor. 

Recently, I received a letter dated on XXXX XXXX, XXXX to attempt to collect the fraudulent charges. According to the Fair Debt Collection Act, a debt collector can not contact me since the original creditor was notified. Note that this is INDISPUTABLY a violation of federal law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Wells Fargo wants you to believe, these unauthorized accounts are a matter of small dollar, random transfers of 10,15, 20 or so dollars between authorized and unauthorized accounts. This is grossly inaccurate. In our case, Wells Fargo opened a plethora of unauthorized checking, savings and credit cards accounts in the name of me, my husband and our businesses. Like peeling back an onion, it has taken an extraordinary amount of time and resources to discover these fraudulent accounts because Wells Fargo refused to provide a copy of the documents associated with these accounts. Wells Fargo, the organization, while simultaneously covering up their own liabilities continue aiding and embedding the parties involved in the perpetration these crimes.

And, its not just the missing money additionally, every dollar moved, transferred, wired, withdrawn ( et.al ) has taxable liabilities associated with these transactions by and through these fraudulent accounts. Making matters worse, Wells Fargo is continuing the victimization of their customers by withholding documents related to unauthorized accounts, precluding Wells Fargo victims from gaining access to the information needed in order for the victims to understand the totality of their liabilities and damages suffered. In my case, Wells Fargo told me these documents were deleted and/or purged from the system ..keep in mind, these are not old accounts. 

In addition to withholding documents from their victims, Wells Fargo has failed to comply with the stipulated agreement between Wells Fargo and their victims, to make Wells Fargo 's customers whole as a result of Wells Fargo 's fraudulent acts. Wells Fargo is being grossly untruthful with the Senate Committee, as evidenced in XXXX 2017 Wells Fargo Senate Committee meeting. The public is also misinformed. Wells Fargos victims are misinformed. 

The victimization will continue in perpetuity without further intervention from our legislative leaders. Wells Fargo is misrepresenting the depth and breadth of there deceptive practices, the number of victims who have suffered, the totality the losses suffered by the victims of Wells Fargo. Wells Fargo is continuing to withhold documents in order for the victims of Wells Fargo, such as me and my family, can determine the totality of our losses and damages and liabilities. Our family and our businesses have been devastated as a direct result of Wells Fargo 's fraudulent acts in direct connection with the systematic siphoning of money our family, our not-for-profit and related businesses.Millions of dollars are missing as a direct result. Tax levies are looming Wells Fargo is not making it right as promised. Wells Fargo is making it worse.

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 Mortgage (FHA mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I bought a XXXX and set up escrow for taxes, insurance..etc, the first payment to the tax authority was late. I called them and they said they would pay it out of escrow and they 'd pay the penalty of XXXX themselves. They ended up paying both the property tax and penalty out of my escrow even though the delay in payment was their fault.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with J R Brothers Financial, Inc.(Closed) (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called JR BROTHERS FINANCE spoke to XXXX to ask what a charge a my credit report for {$130.00} was but all she can do is say it was mine and insult me. She asked me if that 's what I do for a living and hung up on me. All I want to know is that the charge is!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer, Loancare, paid taxes from my escrow account twice, each for a different amount, in XX/XX/2016. The result was that the escrow account was overdrawn. The tax assessor 's office only has a record of Loancare making a payment once. 
Loancare is now charging me the difference in my escrow account on a monthly basis. The previous mortgage payment was {$2000.00} and the new payment is {$3400.00}. I have contacted Loancare several times regarding this and they have not yet provided a correction or explanation.

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 11/15/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: When making payments to Wells Fargo the contracts are unclear, the payments are assessed a late fee XXXX date after the due date and wells fargo continues to assess fees when payments are in route to them

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 04/16/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NJ).
Issue: Settlement process and costs

Complaint: In XX/XX/XXXX, my wife 's mortgage loan with XXXX was sold to Caliber Home Loans beginning in XX/XX/XXXX. Our issues with the sale of our mortgage are many beginning with XXXX. Their claim was that our payments were late even though our payments were sent return receipt requested showing payments arrived on time. XXXX began returning our payments and threatening foreclosure even though we had a agreement from one of their representatives to fix so called problems. In any case the loan was sold. My wife has since passed away ( XX/XX/XXXX ) and I as her executor and beneficiary I have beentrying without success to get any reasonable or knowledgeable responses from Caliber Home Loans. They are as follows ; 1 ) We had a modification in XX/XX/XXXX with XXXX and with the contracts mandated for my wife to sign was a life insurance policy for the principle of the loan. With the sale of the loan to Caliber, which we were never given a notice of, this life insurance policy disappeared and were never given the choice of continuing on with the policy. XXXX was the beneficiary of the policy and XXXX paid for the policy through our mortgage. The mortgage was bought by XXXX who has changed the loan with no agreement from us. 
2 ) We have tried to get an explanation and accounting of how this mortgage grew from {$200000.00} to XXXX. Enclosed is a copy of the last XXXX statement and the first Caliber statement. 
3 ) Enclosed is a copy of the modification that Caliber has given me 15 days to sign even though I have repeatedly requested this information. We are willing to continue to make payments while this issue is being resolved. 

This could all be resolved if I did not keep getting different answers from everyone I communicate with.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (SC).
Issue: Fraud or scam

Complaint: A group on XXXX created a group. I realized that it was a pyramid scam. I sent them money in hopes of getting more back. I did n't not receive any money in return and they will not send my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief