milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: my mortgage statement indicates my payment increased from $ XXXX to $ XXXX in two months, how is this possible and there is no way I can pay that amount. I need answers and I have not been able to get my IRA transferred to Wells Fargo to pay the negative escrow balance of $ XXXX. I am so confused and do n't know why the bank is hurting me so bad. I originally purchased this home for $ XXXX and now their trustee that I do n't know and have not been able to talk to, has my mortgage payment up to $ XXXX and they say my home is being taken away from me today. I do n't know who is telling me the truth and I do n't know why I ca n't get any help. I ca n't take it anymore! I have lost my wife, kids, home, job now and I have nothing left to live for. Please tell them not to take my home and help me get my retirement transferred over to them to pay their fees and add on charges. I know I ca n't fight the big bank but I have been trying to beg for help since 2011!

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 10/23/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am refinancing with a mortgage company. The new mortgage company has been trying for weeks to get Ocwen Mortgage Servicer to send them the payoff quotes so they can finish the refinance. Calling Ocwen is an absolute nightmare. They outsource their call center XXXX. I escalated it to several managers who all told me I would have the payoff quote within 24 hours. I requested it 4 or 5 times and they always say 24 hours but never send it. Now my refinance interest rate lock is expiring and the lender is charging rate lock extension fees as well as they are not able to even close the loan because ocwen is not cooperating with sending the payoff quote ( a very simple request ). It is an absolute nightmare calling this company, and how they are still in business is beyond me. They have cost me time, money, and heartache, stress etc trying to just a simple payoff. Instead they play games, they request the same things over and over again, and driven me absolutely crazy trying to deal with them. Please pleas prosecute and get this company shut down. they slogan is " helping homeowners '' which is absolute garbage because I do n't think they have helped me XXXX time, even with something as simple as getting the payoff request so we can finish my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I called you on the XXXX/XXXX/15 to file my case and i have waited for a full month because today is the XXXX/XXXX/15 with a case number of XXXX I have been patiently waiting a response from my complaint yet I am looking on line and there is no reference that I even filed a previous complaintI want to make sure that you help me with this problem I have been fighting with my mortgage company now for so long and they have placed me in foreclosure, not because i have not tried to work with them but i feel they do not want to give me a dying chance to re-modify my loan. they have given me a balloon mortgage that i had no knowledge of and as soon as i was unable to work, XXXX. i the same breath i lost both my husband and mother 3 months later to violence. i was unable to work due to XXXX and XXXX and when i request help from my lender they turned me down. they tricked me into believing that they would place the outstanding amounts i could not pay to the back of my mortgage but as soon as the 6 months period ended they told me to pay all the arrears in full. i ca n't imagine a low incomes person like me how must i pay all that at once and i was n't even working at the time. I found a job later but was not making as much as i was when i was employed as a XXXX. right now i am working XXXX an hour and getting monetary additional help from my children who resides with me and pays me to live with me so i can more than take care of my mortgage at this time. i just need my lender to cooperate with me and help me remodify my loan to stop the foreclosure so that me and my children and grand children do not have to be another statistic of being homeless. please help me to help my family. someone i am crying out to you for ; help i do not want to loose my home i need a remodificaton please can some one speak to my lender they wo n't listen to me

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed this creditors reporting previously and experian will not let me dispute it again and i have changed the reasons.This creditor was included in my bankruptcy of XX/XX/XXXX but is using a filing date of XX/XX/XXXX and showing a co in XX/XX/XXXX.This is a violation of federal law and violates my discharge and automatic stay and confirmation rights.Therefore this is an incorrect entry and violates the facta and fcra. A co means they charged it off but they filed for payment in the bankruptcy so can not be a co either way.Filing date and discharge date are reported on this report so how did experian verify this creditors reporting for my dispute and not referance their own report.So their investigation constitutes fraud and this creditor committed fraud because they were served by the bankruptcy court of the correct dates.So i ask the cfpb why and how can these entities continue to break the law without consequnces.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Credit card () with DISCOVER BANK (UT).
Issue: Other

Complaint: i received a telemarketing company call on XXXX 2014 from a merchant that called itself XXXX .when i received no goods or services i called my discover card only to find out they would not help me.i explained to them i was rendered no service they proceeded to tell me i was outside the time frame to dispute.i argued with them that i received nothing, but it did not seem to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Discover Bank inquiry from XX/XX/XXXX Discover Bank inquiry from XX/XX/XXXX Discover Banks inquiry from XX/XX/XXXX These inquiries were not authorized by me on my XXXX report. I already attempted to inform and advise the agencies and the bureaus to remove these inquiries to no avail. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (AZ).
Issue: Trouble during payment process

Complaint: on XXXX XXXX/XXXX/2017 sent in a pmt of XXXX and to have an extra XXXX applied to principal. the mortage company did not credit me with that pmt but added to escrow. I want it correctly applied to what I checked off on pmt coupon.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX, XXXX XXXX ... XXXX of XXXX XXXX, XXXX XXXX. Telephone : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify AFNI, INC. XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from equifax and XXXX credit files as well. The collections account for XXXX, XXXX XXXX, needs to be removed as well. If the XXXX account is not valid neither is the collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (FHA mortgage) with POLARIS HOME FUNDING CORP (OH).
Issue: Closing on a mortgage

Complaint: I was recommended to XXXX XXXX Funding for a XXXX XXXX FHA loan. When I visited another lender to look at refinancing options they noticed an excessive loan origination fee. The new lender showed me near the bottom of the closing cost page that the original lender XXXX XXXX XXXX had charged me so much that they had to credit me {$2300.00} because they were already over the legal limit. I questioned my loan originator about the amount and was told this is typical for this type of loan. I was told from multiple other companies this was an example of predatory lending and it gives the industry a very poor reputation. XXXX XXXX was my loan originator with XXXX XXXX funding NMLS # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Other debt) with ERC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Called in XX/XX/XXXX about this debt amount, was given a payoff amount of 282.00. One payment in XX/XX/XXXX and XX/XX/XXXX, they did get XX/XX/XXXX but debit the wrong date for the XX/XX/XXXXand then reported it on my credit report. I would like it to be taken off because it is erroneous. I did not know nor was I told that if they do n't get this payment they would report it to my credit report. I was given no time to respond to the debit the tried to take in XXXX they just immediately stuck on my report. No calls about the debit nor letters as to date I had to call them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have never borrowed or done any business with XXXX XXXX XXXX. They have reported a collection account which is revolving amount 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 non-monetary relief
Consumer complaint received 02-01-2017 about Mortgage (VA mortgage) with DAS ACQUISITION COMPANY, LLC (IA).
Issue: Application, originator, mortgage broker

Complaint: I am a XXXX XXXX vet trying to get loan thru usa mortgage XXXX out of XXXX mo its a va loan and they keep screwing me over I believe they are screwing me around because I am a XXXX vet with that as my only income I have good credit and always done what they ask and provided everyrthing they ask they will not give me reason for denial or give me answer if I got if I got loan it has been months there is no reason for them to treat me like a piece of XXXX and not do what they said they would do

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: 1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be.

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my XXXX report but shows on XXXX & Experian.

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 12-08-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX/XXXX/XXXX, I checked my statement online to confirm my direct payroll deposit had come in. While viewing my account, I noticed my savings account balance was lower than it should be. I found two suspicious ATM transactions. Specifically, two {$100.00} withdrawals five days apart. I have no recollection of either transactions, and I never make ATM withdrawals from my savings account. I spoke with XXXX in the Claims department and filed a dispute for the two transactions with Wells Fargo. Since I could not positively deny the transactions without personally viewing the ATM security footage, I agreed to put the disputes on hold until I could see the footage for myself. He said he could not send me copies of the footage, but that I could view them at a Wells Fargo branch. He marked the dispute closed, but told me I could reopen the claim if the footage did not show me as the person making the withdrawals. Out of an abundance of caution, my ATM card was cancelled, Wells Fargo agreed to send me a new one, and I was told I could pick up a temporary card at a branch. 

On XXXX/XXXX/XXXX, I went to a Wells Fargo branch in XXXX XXXX XXXX ( where one of the suspicious transactions occurred ). I was given a temporary ATM card. However, I was told I could not view the security footage from the transactions. They did n't know why Wells Fargo claims would even tell me I could, that that is not their policy. 

On XXXX/XXXX/XXXX, I placed multiple calls to Wells Fargo to get some answers. During one call, I was left on hold for over an hour. On another call, I was left on hold for over 1-1/2 hours. Once again, different people gave me conflicting answers. XXXX XXXX ( sp ) suggested I open a new claim and transferred me to XXXX in the Claims Assistance Center. He told me the same lie XXXX told me, that I could view the security footage at the branch. He also told me that, once the claim was closed, it could not be re-opened and I could not open a new complaint

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 02/21/2018 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: In XXXX XXXX  2017, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I didn't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XXXX XXXX 2017, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved. 

I tried to get this issue resolved already by contacting the company directly and submitting a complaint to the CFPB directly. Both of those were unsatisfactory and I would like other entities to investigate this matter, if possible. I have documentation from a representative of XXXX stating that the late payment was refunded, therefore implying that the late payment is inaccurate and needs to be removed from my credit report immediately. Additionally, I contacted the company to be informed of their relief efforts of victims of Hurricane Harvey and was not given a direct answer. This is not proper customer service. 

Finally, their response of saying that they are unable to remove it is blatantly false and should be investigated. I have had other credit card companies able to remove the payments from the reports, so them saying they are unable to modify is incorrect. Please investigate this company and my matter to the deepest extent possible.

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 11/30/2015 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (NC).
Issue: Application, originator, mortgage broker

Complaint: Started working with Primary Residential Mortgage mlo XXXX XXXX XXXX XXXX. He informed me XX/XX/XXXX by phone we were pre-apprved for our home loan. XXXX did not disclose anything to us. After a few wks i reached out to the CEO to let him know of my frustrations and he kindly responded and had someone reach out to me. I then began working with XXXX XXXX Division President whom later had me to work with a branch manager XXXX XXXX. XXXX has been polite but has given misinformation throughout this process and has now caused me to lose my home with XXXX! XXXX has been very inconsistent and honestly i feel discriminated against due to not having a higher score as he 's used to. XXXX stated no origination fee would be charged then changed the info. Stated my dti was XXXX % then XXXX % some how no explanation. Told my builder he could n't move forward yet told me we were on hold. NO one at Primary has addressed my concerns and now my family is without a house!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: There was fraud on my account which was unauthorized and my bank will not provide me with a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: XXXX   XXXX   XXXX  , I called  Wells Fargo bec ause I cancelled all my autopay with my credit card companies and loans in  XXXX  of  XXXX . I noticed that a few were still debiting my account without my consent. I contacted  Wells Fargo  and told them that I just wanted to close the account be I felt that I did not have any control over the account. They suggested that I open a new account with a new account number and that would solve the problem. They filed a claim for me to get the a refund on all the money that I lost due non authorization debits on my account. I thought my troubles were taken care off. I noticed that on the new account, it was still being debited!!! Wow!! I called them and was told that by a supervisor that she had made the necessary changes and would re-file my claim and it should not happen.  Guess  what? Not only did they deny my claim but it was still happening. I was just frustrated with them so I called them to close my account again. They would not let me close it. Now because it has been negative due to them accommodating debits on a new account, with a new account number they finally closed it. I want to resolve this issue because I do n't owe them anything and I do n't want this on my credit report when I did everything that I was suppose to and they did n't. I am hoping to resolve this issue. This has been very stressful for me and no one should have to encounter this. I was actually a good  Well Fargo Customer.

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 06/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: Bank of America did not post a resolution letter in the message center regarding my account, in claim # 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