milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: There is no rea son Wells Fargo Bank,  the now Servicer on a Broker originated,   XX/XX/XXXX ,  XXXX  %, Interest Only Refi of my principle residence, is again saying they did not receive the Mod docs.  <P/> In   XX/XX/XXXX     I went into the branch to inquire about the streamline refi that they were offering their  XXXX  clients at that time, at that point I had paid  XXXX  in interest only payments on a  XXXX  so called loan that is now  XXXX .   Not only did the in branch broker give me a flat no, he explained that  Wells Fargo B ank now was the "  Servicer  " of the paper or loan, and that they did n't originate it, yet many times they claim to have originated it.  <P/> Then after finding the " Investor '' of my so called loan was in    XXXX   court  and list ing Wells Fargo a s a Unsecured, Non Priority, Creditor and disputed their claims to said loans.   Then I was told that I could not even apply for a mod unless I was 4 months delinquent and that started this nightmare where  Wells Fargo  Bank engineers Defaults, and Foreclosure for profit schemes, driving homeowners/Banking clients into a situation that makes any form of work out impossible, while maximizing their profits on moneys they admit they never lent.   When I requested the closing documents and whatever document prep company they used had claimed to have paid my second with  XXXX  through closing that made they issues even more complex as I paid the total second in full  two  months prior to closing and have the cancelled checks to prove it.   I have submitted these t o Wells Fargo Ba nk many times and they have many times refused to investigate, and have many times denied this to this bureau and in the courts.   I would say that these issues could be coming from third party vendors that they use in their foreclosure schemes that they have never halted even after the mortgage settlement court orders and refuse to behave in an ethical way in their business model.   Their Vision and Values are aligned with buyer lawless behavior at any cost regardless of how they destroy the lives of millions of hard working Americans without a single accountable senior employee being held responsible.   Im sure this is just a real drag for everyone to have to deal with and respond to and actually look into, and we know that does n't happen.I am going to upload some documents to show you how this pillar of  Vision  and Values treats a long time banking client.

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 10-06-2017 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 is missing that should be on the report

Complaint: Equifax has deleted all the accounts below that should be on my credit report. 

CREDIT CARDS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$52000.00} Good

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Checking account) with U.S. BANCORP (DC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a US Bank Gold Checking account online on XX/XX/XXXX as part of a {$200.00} opening bonus promotion. The terms of the promotion required either direct deposits totaling {$500.00}, or two or more online bill pay transactions of {$25.00} each or more, within 60 days of account opening. I chose to schedule two bill pays : a {$250.00} payment to one of my XXXX credit cards on XX/XX/XXXX, and another {$250.00} payment to a different XXXX credit card, also on XX/XX/XXXX. The promotion terms state that the {$200.00} bonus is payable within 60 days of satisfying the bill pay requirement, so in my case, by XX/XX/XXXX. On XX/XX/XXXX, I noticed that I had not yet received the bonus, and e-mailed US Bank customer service using their online banking secure e-mail service. The auto-reply promised a response from a US Bank representative within 2-3 business days ; no response was received. I called US Bank customer service by phone on XX/XX/XXXX to follow up. The representative noted that they would create a research request, and that I could expect a response within 2-3 business days ; again, no response was received.

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 08/20/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: Complaint Against Bank of America There were fraudulent charges of a little over {$1200.00} on my debit card. Received temporary credit. Then the credit was reversed, ostensibly because Bank of America 's Faud office stated this was not fraud. 
The withdrawals occurred in quick succession, at an unknown location far from us, while the card was in our possession. 
The withdrawals do not fit any previous pattern ( evidenced by bank statements for the past 2 years ) of withdrawal and no withdrawal has ever been made at those locations.

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 07/29/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Settlement process and costs

Complaint: this company was fully paid, by my new lender, and they did not, reportto the XXXX credit bureau agency, they are damaging my report, theyshould be investigated, they received the money, but they never clearedmy name to the credit bureau, this company should be penalizedfor negligence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Federal student loan) with ConServe (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: ConServe sent a wage garnishment to my employer in XXXX 2016. After completing wage garnishment calculation sheet with my employer ; I called ConServe to see about getting into a REHAB program. I spoke with XXXX and he walked me through several online and printed documents that I had to complete to supposedly get into this so called REHAB program. He told me that my employer could hold off on the wage garnishment until a letter from XXXX XXXX XXXX is received that would change my payment to $ 5 month and he then said to ensure that this is done, I needed to make XXXX {$5.00} payments over the phone. I did this by giving him my account information. My employer called me in to say ConServe had called her and that the wage garnishment that we calculated would have to begin immediately at which time I called ConServe again to find out what is going on. I was told at that time that the {$5.00} payment was being made to Conserve to REQUEST a payment reduction or CANCELLATION from XXXX and that I would have to continue to make XXXX consecutive {$5.00} payments ON TOP of the wage garnishment payment before a request would be made to XXXX XXXX XXXX. It 's now XXXX and I 'm still completing paperwork in regards to a {$5.00} payment and still being garnished for the calculated amount. None of what they say, make any sense to me. There is no way XXXX will stop a {$22000.00} debt based on 5 consecutive payments made on time. I 'm trying to get them to be honest with me, because why should I pay them {$5.00} a month to ask XXXX something that I know will not happen. It 's crazy and they 're being very deceitful. XXXX should be ashame of themselves for contracting such an unprofessional company to manipulate hard working individuals ; who clearly do n't have the money to even pay back these loans. It 's not that we do n't want to pay ; but times are hard and the money is simply not available at the time. To hood wink someone into making payments like this is TOTAL FRAUD! I WILL BE MAKING A COMPLAINT TO DEPARTMENT OF EDUCATION AS WELL!

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This company ran a hard Inquiry against my credit report without approval. I have attempted to communicate with the company to resolve this but have received no response. Please remove this from my credit report. 

Inquirer Name : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a debt from this company showing on my credit report that does not belong to me. I was the victim of 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 11-01-2016 about Debt collection (Auto) with FC HoldCo LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.

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 01/24/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I received an Escrow Account History correspondence dated XXXX/XXXX/XXXX with an itemized accounting for my XXXX escrow payments with US Bank Mortgage account # XXXX. The escrow correspondence has incorrect accounting on it and when I called US Bank Mortgage, today XXXX/XXXX/XXXX at about XXXX PST to XXXX, the phone rep ( XXXX? ) told me the itemized accounting on this escrow correspondence is not correct. On the escrow correspondence it says XXXX/XXXX/XXXX had {$0.00} actual payments to escrow. However, I made the full payment in XXXX XXXX which included money that was supposed to be deposited to escrow. The phone rep had no explanation for why this letter is wrong. He instead told me he would send me a detailed payment history for XXXX which " shows '' I did in fact pay XXXX, and he also said that the detailed payment history will say that the bank did put the money into escrow. I told the rep that I need an updated/corrected annual Escrow Account History correspondence with the accurate records for all of XXXX, which matches the detailed payment history he described -to show, in fact, US Bank did apply the escrow money correctly. The rep said he can not resend me the yearly Escrow Account History with the correction, nor could the rep send me something in writing acknowledging their error and clearly reflecting the correct accounting record. WHAT I NEED : Essentially, I want proof that US Bank applied the correct " actual '' escrow for all of my monthly payments in XXXX ; basically a corrected version of the Escrow Account History correspondence for XXXX. DOCUMENTS : I am attaching a picture of the itemized lines from the Escrow Account History correspondence which shows the " Actual '' " Payments to Escrow '' was {$0.00} for XXXX/XXXX/XXXX. Also, attaching the monthly statements for my mortgage for XXXX and XXXX XXXX, to show that I made the payments and that their payment records reflect indeed an " actual '' payment to escrow should have taken place.

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 02-02-2017 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: D. Scott Carruthers contacted family member regarding a suppose debt. They spoke of personal information and about relatives. Called numerous fmaily members. When called they provided incorrect amount of original debt and the monthly payment that was being paid. Being harrassed and spoke to in an unprofessional manner

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Trouble during payment process

Complaint: My Scam Mortgage Company is SLS Loan Servicing. XXXX Colorado. 
First of all I did NOT choose this company to have my mortgage with. 
XXXX XXXX XXXX turned my mortgage over to SLS last XX/XX/XXXX, without even asking me. 
All of a sudden in XX/XX/XXXX SLS is CHANGING the Terms of my TAX Escrow and they are essentially DOUBLING my monthly payment to their " Scam '' loan company. 
I believe this is a SCAM to ensure that I am NOT able to make my monthly payments and so that they can Foreclose on my Mortgage. 
I am trying to Change my Tax Escrow and pay through the Town in which I live. 
Instead of paying thru the Mortgage Company, which now appears to be a total SCAM company. They have even charged me Late Payment Fees for which I have NEVER once been late on my payments with their company. 
There was a problem last year when the switch happened for my loan and my payments were not being accepted any longer from XXXX XXXX XXXX, total, total Scam between XXXX XXXX XXXX, XXXX and SLS Loan Servicing. It appears the whole Mortgage Crisis is still a part of the fabric of America. This is absolutely unbelievable.

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 04-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: An car loan that supposedly was taken out on XXXX/XXXX/XXXX, was reported transferred to another office in XXXX/XXXX/XXXX. This was XXXX years after the loan was supposedly created. I have no record of this loan. I have had XXXX car loans in XXXX years. XXXX, after I XXXX from the XXXX XXXX in XXXX, for a XXXX XXXX XXXX and the other in XXXX for a XXXX XXXX truck. Each loan was paid in full with no late payments. Both vehicles were later sold with no lien holders to private buyers. I have no record of a car loan with the company saying I took out a car loan in XXXX. The first year the XXXX XXXX was offered was in XXXX as per research on the internet. Until I graduated from the XXXX XXXX on XXXX/XXXX/XXXX, I could not afford a car loan or any other loan. It is illegal for a company to carry a loan on its books for this amount of time. It also violates the time period a loan can be reported to a credit reporting agency per Federal law. I informed the credit reporting agency that as of this date XXXX years has transpired and they needed to remove this improper account from my credit report. They acknowledged that I have disputed this and still claim they have to wait to remove this based on what the creditor replies irregardless of what the laws are. The advent of long term car loans did not happen until the cost of vehicles made the standard three year car loans obsolete because people could n't afford the payments. This occurred many years after I purchased vehicles and also after this supposed car loan I have no record of in XXXX. I have requested on numerous times before that accounts that were over XXXX years or XXXX years that were being reported after the time periods had expired be removed and they were done without question. This account is over XXXX years old : this does n't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX. This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has cross filed another persons credit history with mine. They make it very difficult to contact them to dispute and obtain resolution of the issue. I have tried to call several times and their online dispute system will not accept the information I am attempting to dispute. I have since written a letter to Experian with no response received yet. 

I am XXXX XXXX XXXX born XXXX XXXX, XXXX. Experian has my correct credit history information combined with a XXXX XXXX XXXX born XXXX XXXX, XXXX. I do not know this person nor do I have any affiliation with them. I was born XXXX XXXX XXXX and have formerly been XXXX, XXXX and XXXX ; in that order. 

Both XXXX and XXXX have not committed the same cross filing and my information seems to be correct on their reports. 

I would like for Experian to review my report and delete all inaccurate information immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CO).
Issue: Struggling to pay mortgage

Complaint: XX/XX/2017 Ditech 's Collection rep told me I had to be delinquent 90 days before I could apply for a Loan Modification, I told her that that wasn't true and she argued, so I asked for a supervisor to call me, that never happened. I called another time and the rep in Florida told me that the loan qualified for a no document modification, but then we never received anything regarding any type of modification, not even a payment plan, nothing. So besides our rights being violated in tying to miss leading me into not making any payments, I feel that statements should be accountable by the person 's representing the company and our loan should be modified to a 2 % fixed rate and forgivable default balance, and due to the lead, radon, plumbing, brown rockrose infestation and house foundation collapsing., that the principal should be lowered also. I've put 4 years in chasing all these problems I don't have money fore. I have found a few county programs that would help but I need these conditions meet before I move any further, its so hard to make a representative listen and understand the situation of a home owner in distress. The rep 's are only concerned about there bonuses that make there pay, I know this because I worked for GreenTree in the past, there are motivated by losing there pay down to minimum wage if they aren't good enough to collect with out foreclosing on hard working people that are going through a little bit of a hard time in there life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold account with Citibank with a promotional offer of XXXX AAdvantage miles after meeting certain requirements. I met these requirements more than 6 months and the promotional miles still have not been credited. 

I have contacted Citibank for about 6 or 7 times by now about this issue, and every time I 'm either told the case is under investigation or that they 'll file a new case. Their claim is that i 'm not eligible for this offer, even though I have numerous e-mail communication ( see attached ) from Citibank stating that i 'm eligible offer, that I 've completed all the requirements and will be receiving the miles soon.

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 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Trans Union and XXXX also has the BK reporting incorrectly. XXXX does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been XXXX. 
I will upload all documents I have : Please review and update supplement : XXXX case was never XXXX. XXXX XXXX This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX XXXX 's case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX. 
XXXX XXXX XXXX, MO XXXX Phone : 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