milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I am writing to complain about Wells Fargo checking account services and have decided to close my checking account ( no joking ), because Wells Fargo is the worst bank I have ever seen in providing checking account services. 

On XX/XX/2017, I received a call from a so-called Wells Fargo banker via a mobile number XXXX, XXXX, OR. He said that he wanted to verify some personal information with me. Being in public and without me further questioning his real identity, I declined his request and wanted to schedule another time for talking on phone. However, he said that he could not even call me even if he was on the phone at that time. I think this is really ridiculous and finally we agreed that I would call him another time with his numbers. 

On XX/XX/2017, I tried to use the debit card on XXXX to send money to my friends.The transaction was unsuccessful and the instant email from Wells Fargo said that my account had been closed and delivery preferences had also been updated to the mail one. This really makes me angry because being unable to verify personal information due to inconveniences leads to account closure on the following day. I understand that a bank is not a service institution but Wells Fargo 's action is really annoying and unfriendly to its customers, which leads to my terminations on Wells Fargo 's debit card product. 

I also want to share another story. When I tried to open the Wells Fargo checking account on line, I used my XXXX credit card to fund the account for {$50.00}. The payment authorization was made in late XX/XX/XXXX. The funny thing was that the money was debited in mid XX/XX/XXXX. Being unable to verify the source of the charge with my card issuer XXXX, I reported this transaction as fraud and my Wells Fargo checking account was closed, or suspended more specifically. To solve this problem, I went to a Wells Fargo branch in XXXX, CA to verify everything, including original and hard copy of SSN card and Driver 's License, and was informed that my account online access would be restored in a moment. However, it was another funny thing that after 3-business-day wait I still could not access my account online and had to call in to get problem solved. I firmly believe it is so much hassle to deal with Wells Fargo. 

In order to avoid further hassles with Wells Fargo, I firmly request that my Wells Fargo checking account should be closed and the money on the account, around {$49.00}, should be mailed to me by a check. Like Wells Fargo can change my account delivery preference at its sole discretion, I also want to limit how Wells Fargo should reach me. I wo n't accept any calls from Wells Fargo even if I have filed the complain online with my phone number on file. Everything should be done in written format.

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 09/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am requesting that Caliber validates this debt by providing a copy of the written instrument, endorsed, front and back, not a copy of an Assignment that was never ( as of today, XXXX XXXX, 2016 ) recorded in land records. This is my THIRD request to Caliber to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2017, I submitted a transfer for {$200.00} to be picked up at a Western Union location. In XXXX, Michigan. I called Western Union to complain about the scam and receive a fraud case number and refund and they would not return the refund because The money was no longer in their possession

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint: When looking for financing to buyout my vehicle at the end of the lease, I relied on the buyout quote from XXXX XXXX XXXX XXXX website that said that the buyout amount quoted " includes any sales tax ( if applicable ). '' I understood that to mean that any sales tax would be included in the buyout amount. In talking with the dealership from whom I purchased the vehicle, they confirmed my understanding In finalizing my financing, however, I learned that what was stated on the buyout quote is wrong, and that I would need to contact the XXXX XXXX. When I called a manager at XXXX XXXX XXXX to discuss the problem and how as a consumer, the language was not clear, I was told " too bad... we do n't want your advice ''. Now, with less than two weeks left, I have to redo all of my financing because I had not anticipated any sales tax in my budgeting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am at the end of my loan where my payoff is less than 1/2 of a normal monthly payment. But the mortgage company will not take any payment except wire transfers, cashiers check, or title checks. If I do not make my payment by the late fee date, they are threatening to charge me an excessive late fee ( 15 % of my payoff amount ) while refusing to accept any normal payment method ( ACH/Pay-by-phone, mailed check ) even though they are already holding more funds in my escrow account then the full payment on the loan. This forced me to go to my bank and pay wire fees to avoid the excessive late fees. Also, upon payoff, the bank charged me recording fees and a release fee. These unavoidable fees plus the cost of obtaining secure payment for the final payment are not disclosed anywhere in my contract. Since they are unavoidable costs of the loan, they should have been included in the cost of the loan and APR calculation in conformity with the Truth-in-Lending Act ( TILA ). Plus, forcing the consumer to wire funds that are for a minimal amount and charging a late fee in excess of what is specified in the contract are unfair and abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are XXXX double reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported twice from the old account owner and the new account owner.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX sent a letter stating I owed {$600.00} to XXXX XXXX XXXX for service date X/X/17. It was not my correct first name. XXXX instead of XXXX. My middle name however is XXXX. I have never used that health vendor either.

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 03/21/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: I sold a home in XX/XX/2016, and a refund for final escrow closing in the amount of XXXX should have been sent to me, a year later I received the check, and when I took the check to my bank, it bounced, I contacted Nationstar mortgage co to have them reissue a new check, and I still have not received my refund after two separate conversations with reps, assuring me, a new check will be mailed in two business days. I contacted Nationstar on XX/XX/XXXX, and again on the XX/XX/XXXX, both times I was assured a new check was sent to me, it is now the XX/XX/XXXX, and no refund as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NM).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I just received a Garnishment Notice, based on a loan that I co-signed on in XX/XX/XXXX. I did not receive any notice about this garnishment, have a chance to dispute it, or be notified that it was going to enforced ( more than 16 months after the fact ). They report that there was a judgement on XX/XX/XXXX, but I was not aware of it, or I would have disputed my involvement. They have located the primary debtor, so why am I being garnished? They repossessed the car in question 3 months after it was bought, so why am I paying for something they have had since XX/XX/XXXX? Why did n't they give me the opportunity to challenge? Why does this debt even exist? Furthermore, this is causing an extreme hardship on my family. We are just finally recovering financially after I had to quit work to take care of my son, who was diagnosed with XXXX XXXX XXXX in XX/XX/XXXX. After he passed in XX/XX/XXXX, it took a while for me to get back to work while I grieved my XXXX  year old. I am finally climbing out of the financial debt we incurred, and am now subjected to this. I tried to talk with the company on XX/XX/XXXX, but they said to talk to the attorney. I tried to set up payment arrangements with the attorney, and maybe negotiate a lower amount, but they claim they can do nothing -- it 's up to the court. I know this is a flat out lie, as we just got done paying another garnishment on expenses incurred while my son was sick. This garnishment is predatory and spiteful.

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 09/29/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Problems caused by my funds being low

Complaint: I recieved a phone call from XXXX XXXX XXXX on XXXX/XXXX/2016 phone : XXXX. They claimed they tried to serve me papers at my home adress, then transferred me to XXXX XXXX at XXXX legal who said I owed a balance at 53rd bank. I asvised I would callback after speaking to 53rd. The bank verified there was an account in my name, when and where it was opened. At that point I started a dispute with 53rd bank as this was fraudently opened.. 53rd bank submitted proof this was being disputed to XXXX XXXX via fax number XXXX case # XXXX. XXXX advised there was no balance, XXXX account is closed and advised me not to pay XXXX XXXX services. I was also advised not to pay after filing a police report. On XXXX/XXXX/2016 I recieved a call from XXXX XXXX at XXXX XXXX XXXX phone XXXX who demanded I pay the balance of {$1700.00}, but to avoid going to coirt to pay {$650.00} now. I was threatened I would be sued by district attourney and that this will follow me forever. I again explained this was fraud, being disputed with XXXX and they are showing no balance. I advised XXXX I will call back after checking a status with the bank. I spoke to XXXX at XXXX XXXX who verified they do not work with XXXX legal services, balance is not my responsibility, and there is no money on account, the bank said they will send an afadafit to me to return to them. I then called XXXX XXXX from XXXX XXXX services back at XXXX and asked for something in writing. He said this would only state I have a balance. He states they do not accept or recieved anything from 53rd stating this is being disputed. He advised 53rd has no ownership amd can not do anything regarding this debt. XXXX said my story has holes like swiss cheese, I would be laughed out of court, and threatened legal action. He then said I would be served within the hour and demanded I hang up the phone. I never was served papers. XXXX XXXX services did not abide by FDCPA guidelines by threatening me and not providing accurate information or any information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is another medical bill for {$20.00} that is wrongly on my report because I have full coverage and have paid all co- pays in office. There is no information on my Equifax report pertaining to the creditors or account information and it was removed from XXXX for these reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This involves a closed " derogatory '' account on my Transunion credit bureau report.     The original creditor,  XXXX   XXXX   XXXX   XXXX  , reported a past due credit card account to the Transuion credit bureau in  XXXX . In  XXXX ,  XXXX   XXXX   XXXX   XXXX   sold this account to a debt collector,  XXXX   XXXX . This acco unt (   XXXX   XXXX   ) has  since ( and is currently ) reported as an " open collections '' on my Transunion credit report.     The problem that I have is that the original  XXXX   XXXX   XXXX   XXXX   account is still listed on my file as a " closed account. '' So I 'm being penalized for the same credit card account twice - once as a  XXXX   XXXX   XXXX   XXXX   " closed account '' and once as a  XXXX   XXXX   XXXX   " open collections account. '' It 's my understanding that this is " double jeopardy '' where I am being affected twice  by one singl e account.

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 12-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX 2017 a certified letter was received by Diversified Consultants, tracking number : XXXX This letter was asking for validation of a debt, account number XXXX. They failed to provide validation of the amount they state I owe. They also only sent a prior XXXX bill. Absolutely nothing with my signature to validate they have the right to collect this debt. I would like my account removed from their systems and revoke their right to report to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Ive already spoken to XXXX XXXX debt collection agency. they have agreed to remove this item from my credit report. but you guys have not removed it from my credit report. here is confirmation from commonwelath stating that they will remove item ( complain from CFPB portal ) in regards to XXXX XXXX Company responded STATUS Company responded on X/XX/2017 RESPONSE TYPE Closed with explanation Company 's Response To whom it may concern re. XXXX account # 's XXXX and XXXX : Please be advised that the two open accounts in XXXX XXXX ' name were reviewed fully by our office in conjunction with the consumer complaint received. In response to the consumers request for no further contact from XXXX XXXX XXXX , XXXX, we have closed both accounts and returned them to our client indicating no further contact to the telephone number/s and address for this consumer. Please note that this action also initiates deletion requests to remove all tradelines on the referenced accounts from credit reporting to the 3 major credit bureaus. We hope this addresses all concerns on the part of the consumer. Thank you, XXXX XXXX, Legal/Compliance Admin

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: EXPERIAN DOES NOT SEEM TO PARTICIPATE WITH XXXX I HAVE ATTEMPTED TO REQUEST MY CREDIT REPORT FROM ALL XXXX BURAUS. EXPERIAN IS THE ONLY ONE THAT GAVE ME " UNABLE TO GRANT YOUR REQUEST '' MESSAGE. SAME THING HAPPENED WITH MY FRIENDS. 
WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO, THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON THIS HAS BEEN GOING ONE FOR 38 DAYS NOW AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!

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 07-05-2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (NY).
Issue: Taking out the loan or lease

Complaint: I took out a debt consolidation loan for XXXX and was charged an exorbitant fee of XXXX for, what they call, an origination fee which was not reasonably disclosed in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing about Ocwen Loan Servicing , LLC . Ocwen aquired my mortgage loan from GMAC in XXXX XXXX. Without any correspondence with me, it immediately removed my hazard insurance policy and replaced it with one that was six times higher and overcharged my account by {$500.00} each month. In XXXX XXXX, I requested an escrow analysis and that my original hazard insurance policy be reinstated. My original insurance was reinstated. However, Ocwen continued to overcharge me for the next 12 months. At one point, there was a {$5000.00} surplus in my escrow account which it refused to refund to me. Recently, the surplus suddenly disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Unsolicited issuance of credit card

Complaint: Hi, I want to dispute the Credit check. 
I recently opened a new XXXX account. I never applied for credit or filled out any application with my SSN. Ofcourse, I did accept the terms and conditions to open the XXXX account. When I created the account, XXXX forced me to link my bank account to XXXX. I tried to check if I can delete the XXXX credit that I noticed on my XXXX account. But there were no options. I did not suspect that a credit check was run by XXXX because I did not key in my full SSN anywhere, did not fill out an application for line of credit and did not accept anything that prompted my permission to run a credit check. I had been very careful not to apply for any credit to retain good credit. 
Please can you help me to get this credit inquiry removed from my credit account. 

PS - I was asked to select company 's name but XXXX 's name was not in the list. So i selected some random company name in order to submit my complaint. The name of the company this complaint is against is XXXX. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Bank account or service (Other bank product/service) with BNY MELLON, NATIONAL ASSOCIATION (MD).
Issue: Making/receiving payments, sending money

Complaint: I receive a retirement check of {$41.00} from XXXX bank XXXX New York. I did not receive it for the month of XXXX I contacted the bank and was asked to wait until the XXXX of XXXX which I did still did not receive it.I called today XXXX XXXX and was told it was cashed at the central bank in the XXXX.I am very upset this has never happened before. The XXXX bank wants me to wait for them to get the cashed check back before they do anything. I want to know how my check ended up in the XXXX XXXX when I live in The United States. This bank has had my retirement since I retired in XX/XX/XXXX so not having my address is not an issue I have received last months and the months before with no problem. It may not be much but it is mine. I want my checks on time as always.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDING CLUB CORP (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX  I disputed an account on my credit report. I aso requested a verification with my signature from the reportig company. After 30 days the account was not marked as disputed, and tey had not provided me with sufficient verification of the account. A statement is not proof, as has been shown several times. On XX/XX/XXXX  I notify them that the verification of the account is not sufficient. On XX/XX/XXXX I notify them of the failure to mark my account as disputed and the breach of FCRA. The company still has n't marked the account as disputed, instead they closed it and reported derogatory statuses on my report. This is completely unacceptable to treat consumers in this way

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed this report already with XXXX but nothing has changed. I have a hard inquiry on my credit report for XXXX/XXXX  but I haven't ever given them authorization to run my credit. I don't have an XXXX credit card but I do have an XXXX account that I order from frequently but still not authorizing them to run my credit. I am completely confused as to how they even have my social security number. I research and found out that XXXX XXXX has changed their name to XXXX XXXX   and that is why it show XXXX XXXX. I believe this inquiry to be fraudulent because anything done without my authorization is illegal. That is my understanding of credit inquiries

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