milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX and I have several loan servicing concerns about Wells Fargo Home Mortgage. Listed below are questions I have not been able to get direct answers to from Wells Fargo Home Mortgage. 

1. What year did Wells Fargo Home Mortgage take over this loan. 
2. Is Wells Fargo Home Mortgage the Trustee for this loan if not who is? 
3.Please send me a copy of your Mortgage Service Agreement. 
4. Is Wells Fargo Home Mortgage just the loan servicer only. 
5. Who holds the note to this loan. 
6. Please list all credits on this loan and fee reversals in a typed response that you stated you have given and please recalculate my account and make the corrections. I do n't see any adjustments. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: Chase Bank has charged me interest on a credit card that I had set up as an online payment to pay the full amount due

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Integrity Solution Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company filed a report against my credit without contacting me. When I contacted the company to see why they had filed a report against my credit without contacting me they stated I had given false information about myself. As I had never given any information on the debt as it was not mine ( it was a mistake from XXXX ). When I asked them to give me the information that led them to file the report against my credit they refused. They stated I had provided fraudulent material to XXXX and it was my responsibility to give a phone number and address I never gave any of that information to anyone as it was not my debt. They stated that I must contact XXXX. Only through them could I contest the charge. The company never contacted me and filed a resolution against my credit score and never provided any information to me on why they did this. They refused to help me at all when I explained their numerous mistakes in contact information ( that I had never provided as the initial company made the mistake ). XXXX worked to resolve this quickly. The debt collection agency said it was all my responsibility for THEIR mistake. They have kept the mark on my credit report even though I never had an opportunity to respond as they had wrong information and never contacted me to allow me to dispute their claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Advertising and marketing

Complaint: I was mailed a XXXX XXXX CHASE Credit Card offer in the mail. This violated my opt out submission that i placed online for 5 years. This is more than three months after requesting to be removed from the mailing lists.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In accordance to the National Ocwen Settlement agreement, Ocwen is to provide borrower a copies of any assignments of mortgage or deed of trust required to demonstrate the right to foreclosure. Ocwen has once again commenced foreclosure on our home without providing us the requested copies of assignments of mortgage or deed of trust. According to the National Ocwen Settlement agreement, Ocwen shall send borrowers a statement setting forth facts supporting Servicer 's or holder 's right to foreclose and containing the information required in paragraphs XXXX ( items available upon borrower request ), XXXX ( account statement XXXX, XXXX and XXXX ( ownership statement ), and XXXX ( loss mitigation statement ) herein. Servicer shall send this statement to the borrower in XXXX or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. Ocwen has posted our home for foreclosure without providing the requested documents before posting our home for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax inappropriately handled my personally identifiable information in a way that exposes me to long-term, potentially irreversible, harm. During XX/XX/XXXX Equifax became aware of an vulnerability in their systems that allowed sensitive information on consumers to be exposed to unauthorized individuals. In the time period following this discovery the company did not make the public, myself included, aware of the exposure. Equifax continued to withhold this information during the two months following the attack. 

In XX/XX/XXXX Equifax announced the incident publicly and provided a service to identify accounts that were impacted. On XX/XX/XXXX I used this system to identify if my information was included in the leaked accounts, where via this service I was informed that my information 'may ' have been included among the millions of records lost. 

Based on the information available it is my opinion that Equifax practiced gross negligence in adequately protecting my personal information vis-a-vi financial institutions. Although what is most deeply unsettling is that unlike financial institutions, my consent for Equifax 's possession of my information did not come from me directly. To clarify, I am aware in retrospect that I agreed to my personal information being accessed or reviewed by a credit bureau in the normal course of managing my personal finances i.e. lending applications, employment, etc. However, I was wholly unaware of the extent to which XXXX  and other credit bureaus maintained record of my personally identifiable information e.g. volume and type of data maintained, length of retention etc.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Late fee

Complaint: I have a Bank Of America Credit card and they do not allow you to set a automatic payment of the minimum due. You must set a predetermined amount. I called them because I got a late fee and there reason is you need to look at your statement each month and pick an amount. 

So I did not look at my statements for two months and got charged a late fee. I called them and they refused to fix it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (ME).
Issue: Closing on a mortgage

Complaint: Talked to XXXX XXXX/XXXX/XXXX Customer Service XXXX Spent XXXX hours at Branch at XXXX XXXX, XXXX NH XX/XX/XXXX, spoke to XXXX XXXX, Branch XXXX. He wrote the letter attached, and faxed all pertinent information to the mortgage department onXX/XX/XXXX Talked to XXXX, XXXX XXXX XXXX phone # XXXX on XX/XX/XXXXTalked to XXXX, XXXX Consumer XXXX, phone XXXX on XX/XX/XXXX Talked to XXXX XXXX, XXXX, phone XXXX on XX/XX/XXXX and again on XX/XX/XXXX when she conveniently passed the responsibility to XXXX of the XXXX XXXX, who is on vacation. 

I am the personal representative of my mother 's estate. I have a purchase and sales agreement for the sale of her house. The document in question dated XX/XX/XXXXwhich I have attached was paid in full in XX/XX/XXXX when Citizens Bank assigned the loan to XXXX Mortgage and did not discharge the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted all three credit bureaus regarding fraudulent access to my credit file. I have inquiries which was not authorized. I contacted all three bureaus and was informed that I must contact the companies to remove the inquiries. After I did what I was informed, the companies informed me that they do not have anything in their system with my information. Its ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did the Experian allow such numerous companies access to my credit acount without prior authorization? I request that each and every inquiry be removed and I request an updated credit report reflecting such changes.

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 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MO).
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint: Regarding my recent late payments due to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A judgement on my credit was satisfied XX/XX/XXXX. I have faxed the court record proving this to XXXX and Equifax. They both told me that the judgement would be removed but they fail to do so. I can not get a loan because of their lack of follow up and I am facing eviction as a result. I am a XXXX American and need assistance immediately in getting them to repair my credit. I need assistance in getting them to repair my credit so I can get a loan at my bank. I have XXXX in real estate equity that they are preventing me from accessing. I have called them numerous times asking for assistance. They assure me each time that they will repair my credit immediately but when I check XXXX the judgement continues to appear. The credit bureaus say they are waiting for the courts to respond to them. I have spoken with the courts in the state of Washington and they are not in the position to respond due to work load. Therefore, I faxed the satisfaction of judgement to the credit bureaus and they fail to respond. This action on their part is causing me financial loss, impacting my health and will cause me to be evicted. I am filing this complaint in order to get assistance with the difficulty I am having with the credit bureaus. My residence is scheduled to be sold on the Sheriff 's Auction in less than 30 days. The credit bureaus will be held solely responsible for my eviction if they do not cooperate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with CL HOLDINGS LLC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a letter from Jefferson Capital Systems , LLC who said they were a debt collection company. They said they were attempting to collect a debt from XXXX XXXX Savings for {$950.00}. The account number with them was # XXXX. I have never done business with XXXX XXXX that I am aware of and have never received any bill from them. I dispute that I owe any debt. I phoned Jefferson Capital and they say the debt is from 2004. I know nothing about any debt. They said they would note that I disputed it but recommended that I contact you. I do not want this dispute on my credit. I pay my bills immediately and have NO debt with anyone to my knowledge and have never done business with XXXX. What can I do to get this removed from my credit??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have student loan with Great Lakes. I have a monthly autopay that has been set up to pay the loan. I 'm currently in school and have loans disbursed, twice when a loan has been disbursed Great Lakes turns off my autopay without my direct authority to do so. This causes an increase in my interest payments over the life of the loan. Great Lakes should not have the authority to shut my autopay off, this only benefits them financially, not the student.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Bank account or service (Checking account) with CATHAY BANK (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Cathay Bank employee account when I joined the bank in XXXX, but did n't close out the account when I left the bank in XXXX. I have recurring loan payments drawn from this account every month. Recently I found that the there was a charge of monthly management fee of {$15.00}, an ACH debit was returned and an NSF fee of {$25.00} was charged also. All of these showed up in my account without any notification from the bank up to this point by mail or email, and the bank policy explicitly states that employee account would n't yield any maintenance fee. I did n't receive follow-up instructions of how the account will be handled after my departure from the bank either, and I was never charged of such kind of fee before. I realized the issues and called up the bank, but branch manager insisted that the bank will charge a account maintenance fee because it 's a " valueplus ' account, and they 've been sending me statements, which was not true. I asked the manager for a refund of fees for above reasons and also since I never received such notifications of fund return and NSF fee, but the manager would n't admit 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 monetary relief
Consumer complaint received 10/26/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: TO WHOM IT MAY CONCERNNOTICE OF ERRORACCOUNT # XXXXADDRESS : XXXX XXXX XXXX, XXXX NJ XXXXI am contacting CFPB with a Notice of Error committed by Seterus the servicer of my mortgage loan account. 
This inquiry for clarification or documentation as a notice of a billing error, including correcting the account in accordance with XXXX ( XXXX ). 
Please be advised that the following errors are contained in the XXXX XXXX, 2015 Account Statement issued by Seterus. ( Atttached ) The first error - Amount Due is incorrect. The sum of {$2800.00} is in excess of the agreed upon monthly payment amount of {$1300.00}. According to the modification offer it includes principal, interest and escrow of {$540.00}. 
To date, I have made the following timely payments : -XXXX, 2015 check in the amount of $ XXXX-XXXX, 2015 bank check in the amount of {$1200.00} ( Seterus billing amount due ) The payments were made timely, for the required amount. Unfortunately, the periodic monthly statement does not reflect the agreed upon amount due. 
The second error in the periodic monthly statement dated XXXX XXXX, 2015 is -- Legal expenses of $ XXXXXXXXI dispute this amount because public records indicate that XXXX foreclosure fees paid to its counsel are not in excess of {$1500.00}. I think Seterus has marked up the legal fees. 
The third error on the XXXX XXXX, 2015 monthly statement is : -Appraisal Expense of {$15.00} dated XXXX XXXX, 2015- Legal Expense of {$50.00}, dated XXXX XXXX, 2015-Legal expense of {$8.00}, dated XXXX XXXX, 2015Please note that we have been paying timely for over six months and the foreclosure was dismissed by the court. Therefore no appraisal or attorney fees should be charged to our account. 
Please correct these errors and issue an accurate periodic statement from this point forward. 
Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received alerts on my credit reports that XXXX has pulled my credit. I notified XXXX that i did NOT apply for credit with them. I was informed that this would be cleared up. Surprisingly a week later i received a card in the mail from Capital One which I did NOT activate. I cut the card up and mailed it to Capital One along with a letter explaining that my ID had been compromised and that Capital One needs to remove the inquiry from my reports. 

Unfortunately, I received a credit alert on my monitoring service that a NEW Account has been added to my credit reports by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MD).
Issue: Managing the loan or lease

Complaint: Our vehicle is financed through Ally Financial. Ally is already known for giving higher interest rates to minorities. They have been under hot water for this act. Ally is now practicing the act of REPORTING FALSE CREDIT REPORT INFORMATION. We made a complaint through XXXX once before and the issue was resolved. After a few months the issue is happening again. They are reporting us being late before our payment is due. Example : Our payments are due at the end of the month XXXX XXXX ... ..Ally is already reporting XXXX late!!! How is that possible? It is XXXX XXXX! Each month it is the same thing. Is this because we are XXXX XXXX? 
Also XXXX people are on this loan ... ..Myself and my wife. There is different information being reported on XXXX credit reports. 
A review of our interest rate is need also. We should NOT have gotten a high interest rate because we are XXXX XXXX. That is unlawful!!

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: XXXX XXXX XXXX was issued a cease and desist letter from my states Department of Finance due to being illegal to operate and charging over 400 % interest. XXXX XXXX XXXX ignored this and continued to contact me. Then they placed negative information on my credit report. They 1st reported {$500.00}, now its ovey {$1100.00}. I need help getting this off of my Transunion report.

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 05/21/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A Company Called  Diversified Consultants be gan calling my cell phone multiple times a day. I would not answer the phone because I have no business with that company. They have added a collection account to my credit report. I do not have any business with this company and have no outstanding unpaid bills or charged of debt with this company or any other. I believe they have the incorrect person or they are trying to collect money from over 20 years ago. They have not mailed me any information about the debt and I will not speak to a collection office when I know I have no issues.     I believe this company is engaging in debt collection in an illegal matter and should be investigated. I have disputed the account with the credit bureaus. If the account is not removed from the credit bureaus then I will pursue legal action for damages against  Diversified Consultants.      I am in the process of trying to buy a home and this has caused financial damage to my person.      XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NC).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I am one of many that has become a victim of the EQUIFAX hack and believe that providing me with one year of credit monitoring service will not keep the hackers from selling my information to XXXX XXXX so they can steal my identity and cause me to become homeless. I am writing this because unfortunately you guys are the only ones honest and with the resources to correct this problem before it turns into a nightmare for the little guy!! Any info and/or actions you can provide will be greatly appreciated by me!!!

Company response to consumer: Closed with explanation