milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I was sent a letter from Wells Fargo regarding my mortgage on my property at XXXX XXXX XXXX XXXX, AZ XXXX to refinance my loan, the letter stated that if I sent them XXXX that could be my payment instead of the usual XXXX All I had to do was to start those payments, I did that in XXXX as requested by the letter. Now, I get the check back saying that that was n't enough money for my mortgage so my mortgage could be in default. I sent that amount to start my mortgage loan modification. I am sending you the letter I received. I did not receive any more phone calls. Now I have a letter with a check in it that they have not accepted. I have never seen anymore incompetence then these people on mortgages. I get a different loan perservation officer everytime I turn around. I have dozen of letters from different names. The loan officer does not live in my state. I can not contact anyone in my state to help me. They just refer me out to some XXXX number. This is ridiculous. This is my home and I have worked hard to keep it. They have done nothing but add to confusion and misrepresent their offers by mail. If I do talk to someone by phone, they dont even know what is going on with my loan preservationist. I am beginning to wonder if that person really exists. I am tired of dealing with incompetence and fraudulent behaviors and it has caused me great grief and stress to keep dealing with different people all the time. I am sending you the letter I received and a copy of the check that was returned to me. I am tired of all this misrepresentation and fraud.-+

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX released my new account number to XXXX after I closed the account and was issued a new credit card because of unauthorized activity on my account from this same company. When I notified XXXX I had XXXX knew charges on my account from Instantcheckmate, I was told they have arrangements with this company to release new account information for reoccurring monthly billing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Credit decision / Underwriting

Complaint: I have been paying my mortgage payments almost every time on time and in full since 2004. My monthly payment is XXXX and my interest rate is 8.250 %. I am having trouble paying my student loan and other payments. I had asked my lender Wells Fargo about the HARP program when I first heard about it, but they brushed me off. So I was delighted when I received some years later a letter from Wells Fargo asking me if I wanted to apply for a refinance with them involving HARP. I filled out the paperwork and sent faxes and emails and the XXXX reps I dealt with by email and phone seemed very responsive and assured me it would go through. There was nothing telling me that things were n't going well. Then I got a letter saying that my credit score was too low for them to take a risk. I had told them all along I was having trouble meeting my student loans and some other bills. That 's why I needed a refinance. Also I had been paying a higher payment for ten years to this very same company! But they did not take that into account, treating me like I was a new customer to them. Meanwhile I am still having trouble paying my student loan and credit card bills, and wondering what I can do. Not sure if anything can be done about this. But I can tell you I am not very happy with Wells Fargo. Yesterday, got another letter from them telling me " I could qualify for a lower payment through HARP!. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK and other accounts. Equifax removed the information once I supplied them with my police report and other pertinent documentation, however they re- inserted the fraudulent accounts back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the accounts remain on my credit. Once again the fraudulent accounts were removed and re-inserted with out notice!!! The accounts were not MANUFACTORED BY ME!! 
The following accounts were re- inserted to my credit and I would like for them to be re- deleted!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lien XXXX Lien XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX-2013 Not my account Fraud account identity theft

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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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, these all hard inquiries that I do not approve. Transunion

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: They are credit inquiries showing up on my credit reports that should not be the as they are fraudulent XXXX, XXXX XXXX, XXXX XXXX, XXXX Please remove these at once if they are still one my report as inquiries as they are fraudulent

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 05/29/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: Used Macy 's card only once XX/XX/XXXX. Received statement and paid full balance on XXXX/XXXX/XXXX. Card was not used again. No statements or correspondence received since XXXX. XX/XX/XXXX, began receiving multiple calls per day from a caller who would provide no specific information, but wanted the number of our Macy 's card. Decided that it might be a good idea to contact Macy 's. ( XX/XX/XXXX ). Was connected to XXXX individuals, the XXXX being a " specialist, '' who informed me that our " account '' was PAST DUE and the balance was over {$100.00} with late fees and interest. After close to an hour of mostly futile conversation, she noted that the ACCOUNT APPEARED TO HAVE BEEN PAID IN FULL IN XX/XX/XXXX, and she would be " happy '' to correct the record. We directed her to close the account IMMEDIATELY, and it appears that she has done that, although our credit report shows a {$4.00} balance remaining. Checked credit reports today and found that they have been virtually destroyed - a drop of over XXXX points - by " overdue '' payments to this account. Needless to say, we will undertake all avenues possible to correct the record, but to characterize this experience as a atrocity would not be an overstatement.

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 02-07-2017 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, my name is XXXX XXXX. I have a reverse mortgage through Wells Fargo Home Mortgage.Two years ago I had financial trouble and could not pay my property taxes for XXXX. After initially threatening foreclosure, I was placed on a repayment plan. After continuing to repay as agreed and paying my own property taxes for nearly two years, Wells Fargo began threatening me again with foreclosure, only this time it was due to their claim that I did not have sufficient flood insurance coverage. Upon looking at my policy coverage I found that it was {$50000.00}, not enough to satisfy the reverse mortgage amount of roughly {$210000.00}. It is something that I do take partial responsibility for, however if Wells Fargo would only have contacted me then and let me know I would have increased my own policy to {$250000.00}. Never once did I ever recieve a simple letter stating that I had insufficient coverage. So they charged me {$3200.00} for two years of insufficient coverage and threatened me with foreclosure again this past Fall. They then put me on a repayment plan again for that amount. That 's {$3200.00} for two years of flood insurance coverage all along while I was also paying {$600.00} for my own {$50000.00} policy. I told them that I will have my own private flood insurance increased to {$250000.00} in XXXX XXXX and that I would send them a copy of the new policy. Well last month I received a call from Wells Fargo right after the XXXX XXXX and was told that they were charging me another {$1600.00} for flood insurance for XXXX. I told them that I was getting my own policy through XXXX increased in XXXX and at " HALF '' the cost that they are charging me! I am a senior citizen on a fixed income. At XXXX years of age, my XXXX can not take much more of this. I can not believe this is happening when all Wells Fargo had to do was let me know 2 years ago that I did n't have enough coverage. They are charging me twice what my own insurer quoted me and because of that they are now taking half of my social security check each month and I am struggling to be able to afford to pay for increasing coverage on my own flood insurance policy! Please, I really need help here!

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 07/31/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Taking out the loan or lease

Complaint: OK I NEVER TOOK OUT A LOAN WITH SPRINGLEAF FINANCIAL BUT IN MY CREDIT REPORT I HAVE INQUIRES ON MY CREDIT REPORT. I HAVE WROTE TO SPRINGLEAF AND ON XXXX/XXXX/2015 I GOT A LETTER SYING THAT THE INQUIRES WOULD BE REMOVED BUT AS OF XXXX/XXXX/2015 THE INQUIRES IS STILL ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2017 about Mortgage (FHA mortgage) with PNC Bank N.A. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XX/XX/XXXX This Letter is to make a formal complaint against PNC Bank Mortgage. <P/>Loan # XXXX XXXX XXXX XXXX XXXX. XXXX, Maryland, XXXX Letter Dated : XX/XX/XXXX : Approval for a conditional trial period plan letter : On page 1 of 7 Second paragraph : .. here are the terms of your conditional trial period plan,. if you complete the trial period you will receive a modification with an interest rate of 3.25 %..
<P/>
On XX/XX/XXXX I got a letter of shortage on the ESCROW Account shows {$1300.00} Shortage. We are starting a new loan, so WHY are they charging this bill now. Showing a new payment of {$1500.00} This type of mistakes on PNC Banks Documentation should be punish big time. <P/>On Final documents the interest rate is 4.25 %. <P/>EXHIBIT # 1, Signed by UsXX/XX/XXXX and by PNC on XX/XX/XXXX : Total cash due from borrower : {$1500.00} NOT {$1500.00} Interest rate of existing mortgage 4.0 % AND IT IS 3.25 %, NOT 4.0 % and new modification interest rate is 4.25 % NOT 3.25 %, which they promise as stated above. <P/>I do believe that their way of doing business is ILLIGAL. EXISTING UNPAID BALANCE {$240000.00} NEW PRINCIPAL AMOUNT {$240000.00} WHAT ABOUT THE 4 PAYMENTS OF {$1500.00} FOR THE TRIAL PERIOD? THAT TOTALS {$6200.00}? <P/>When I spoke with my PNC Point of contact XXXX XXXX and then with another representative because XXXX XXXX was not available, both PNC Bank representative told me it is what it is, and if I do not like it, I could stop all the process, catch up with payments and keep making the mortgage payments on the original loan. I felt like they are telling me take it or leave it. No professional courtesy and lack of customer service. <P/>They argue that all this new payments and 1 % higher interest are because I was delinquent which is not true. I was never late, nor behind on my payments and the purpose of doing this modification was to lower the payments by reducing the loan amount which happen to other families, and to lower the interest rate so my payments will be lower. I will be saving about {$330.00} a month, but I am starting a new mortgage for 40 years, this is not right, because I had only 10 years left om my original mortgage. <P/>I have accepted the terms imposed ( Illegally ) by PNC Bank because my monetary condition. I am disable for the last 2 years on a fixed income, and my wife lost her job after 17 years with the Federal Government. We are being forced to their conditions and they are not playing by the rules. <P/>I do believe they need to be punish. <P/>Please see respective attachment provided by me. <P/>Sincerely. <P/>XXXX XXXX H. XXXX C. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Managing the loan or lease

Complaint: I was a victim of the 2012 Government shut down. This was known as Sequestration Furloughs. I wanted to make sure I made sure every creditor know I was trying to address my accounts. I was made aware that USAA a company that I had my vehicle loan with was offering members that were affected by the furloughs was giving 2 months relief on their loans. I spoke to a service member by calling the XXXX #. I was informed that I would not have to pay my vehicle loan for 2months. After the two month period I started making my payments again. I notice after reviewing my credit report that the two month relief period was not honored and I was behind on my loan. I contacted USAA again and was told that I was not set up on this option. I have contacted USAA on multiple accounts to try to resolve this issue. I do n't not think it is my fault and not be punish for a representative giving me the wrong information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Student loan (Federal student loan servicing) with Van Ru Credit Corporation (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Up until about 5 years ago my wages were being garnished for student loans, since that time I have remained in good standing on XXXX loans. Evidently at the time there was a XXXX XXXX loan that was not sent to XXXX the people collecting for the other XXXX loans. About two months ago with no warning my wages were garnished by Van Ruh again. Federal law clearly states they have to give me 30 days notice and I received NOTHING. After much grief I finally got the education dept to take off the garnishment. I wanted the loan consolidated with the other XXXX loans so I could just continue. Then without any warning whatsoever they garnished my wages again 2 weeks ago. I had been told by the dept. of education that before they could consolidate the loan Van Ruh would have to remove some block. When I called Van Ru they kept saying it was being taken care of. I believe they should be sued or fined.

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Paid a few to   XXXX   XXXX   XXXX   that told me my payments would resolve my student loan debt and close accounts. After paying for months the accounts appeared closed on my credit report. However recently the accounts are back open and delinquent. And the departure of education took my tax return as payment.

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 11-01-2016 about Debt collection (I do not know) with NORTHLAND GROUP INC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive collection calls for " XXXX XXXX '' on my personal cell phone, but I am not XXXX XXXX nor is my number his. I have received calls from multiple collection agencies over the past 2 years or so - typically around the beginning of the month. Most recently I received calls on XXXX/XXXX/16 and XXXX/XXXX/16 from Northland Group for " XXXX XXXX. '' I have also received calls in the past from XXXX XXXX XXXX, XXXX XXXX and XXXX, to name just a few. My number is on the Do Not Call Registry and I continue to inform collection agencies that they have a wrong number. But then the next month the account gets sold to another collection agency and the calls start up again. On the most recent call with Northland Group, the manager admitted that I was robo-dialed, even after I had asked to be removed from their list.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with ENCORE CAPITAL GROUP INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I originally disputed this on XX/XX/2016 case number : XXXX and no resolution. It 's been reporting on my reports stating reinvestigation since then. Now the same credit card is showing up as a collection account on all XXXX bureaus. It is now listed as Midland credit management. I submitted a copy of my identity theft affidavit with police reports. This is really affecting my livelihood and also my children 's.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (SD).
Issue: Problems when you are unable to pay

Complaint: I have been late making my regular payments for a personal loan to OneMain Financial in XXXX, SD. Had contact with them, I told them how much I could pay for now and they continued to call up to XXXX or more times per day. I was late by about XXXX days on regular payments. I did make a smaller payment of {$25.00} which they cashed but they said it was not enough. I stopped answering and called them, left a message that they were not to call my office anymore. A OneMain employee called my office on XXXX/XXXX/15 and my boss answered the phone. He told my boss that OneMain would be garnishing my wages and he would be mailing the paperwork to our office. I have not received a court order or judgments against me. As far as I understand the law, there needs to be a judgment before wage garnishment. This was very embarrassing to me and as far as I know, employers are not a qualified third party and this violated my rights. If I had been served a court order at least I would have been aware that wage garnishment was a possibility. I filed bankruptcy the next day, I had planned on it eventually, but this did cause me a lot of anxiety and also made my coworkers aware of my situation, which was unnecessary. I will talk to my lawyer about a lawsuit against this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm in the process of going through foreclosure and I did a search on the XXXX website for the Trust that is suing me in the instant action XXXX Bank XXXX, XXXX XXXX, as Trustee For XXXX Mortgage XXXX XXXX XXXX, Asset-Backed Pass-Through Certificate, XXXX XXXX XXXX XXXX XXXX, et. al., Case No. : XXXX, in the XXXX Court XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX, Florida. When I looked on the SEC website the trust did n't exist..

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Problems caused by my funds being low

Complaint: BB & T bank is being unfair about how they are subtracting their transactions. The way they do it XXXX transaction can cause multiple insufficient fund fees. Their online account is very vague and when you call into the office no one knows really what is going on. I finally got ahold of a representative that knew what was going on. If there is XXXX in the account,,, there are XXXX pending transactions each for XXXX they subtract that from the XXXX first. So then there is only XXXX to pull transactions from. If there are XXXX transactions for XXXX there will be XXXX XXXX insufficient fund fees. Then there will be XXXX posted to your account. Then the next day, when the XXXX XXXX transactions go through there, will be XXXX more XXXX insufficient fees subtracted from your account. So that would be XXXX more dollars subtracted from your account. Half of the tellers can not even explain to you why this is happening,,, they do not get back with you after you call and they say they will find out and call back. I have had a huge mess happen to my account because of this and could not get my account straightened up because of it. There is no documentation sent to you telling you exactly what bounced and it is utterly confusing and wrong. I do know that XXXX has been sued for this practice. I feel taken advantage of by BBT and they are wrongly charging fees. Most people can not come up with the money to cover the fees when they are tacked on so they are gon na end up with more fees in most cases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation