milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is Wells Fargo Home Mortgage. I was late in paying my monthly but when I caught up they refused to take my money saying it was n't in the full amount owed. But I kept paying my monthly mortgage. Then I received an letter and later an email asking me to get into a loan modification to pay a lower monthly mortgage, which I denied. Then I received an email congratulating me saying I was accepted in loan modification program. I replied to email stating I never agreed to being in modification program. My monthly mortgage was {$540.00}. I do n't know why they charged me {$1100.00} but when I called to make a payment on XX/XX/2017 this is the amount I was told to pay. I 've called to be switched around to numerous Wells Fargo reps from Escrow to Insurance because this is where the problems lies. I called to make my XX/XX/XXXX payment and now they raised my payments to {$1000.00}. I never received a letter telling me they were raising my monthly payments nor did I agree to this amount. I spoke to a rep on XX/XX/2017 and he stated it was because of my property tax, which is not true because I 'm in the LOOP program for XXXX residents long-time homeowners. Then rep said it was due to homeowners insurance which went up and my prior home owners insurance they paid 3 times within a year depleting my escrow monies. They asked no questions when XXXX kept sending them payments. I was aware I paid a one time fee to an insurance company not recurring bills throughout the year. The rep also stated he could lower my payments to {$890.00} or stretch it out through the 12 months. He also stated I should 've been charged the {$1000.00} on XX/XX/2017. When I called back on XX/XX/2017 I was again switched around to numerous reps, hung-up on but no one was helping my get to a resolution to lower my payments. They kept telling an appraisal would be done on my mortgage in XX/XX/XXXX and my XX/XX/XXXX bill may be lowered. Can you help me with assistance in getting my monthly mortgage lowered or send me to someone who can? Thanking you in advance for your assistance in this matter.

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 02/22/2018 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested verification of this debt from Wells Fargo Dealer SVC on three different occasions by mail, however the business failed to provide adequate proof of this debt being mine. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 11/21/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX an employee of ours forged my name on a company check and cashed it for {$2000.00}. After an audit of the account in XXXX this fraudulent check was found. I went to the police and they obtained pictures of her cashing the check, the cancelled checked. I pressed charges against her, she admitted to signing and cashing it and she was arrested and charged accordingly. We filled out a Domestic Collections Fraud Packet Information with 5th/3rd Bank on XXXX XXXX. 2016, and submitted it to the Bank. After countless phone calls and transfers to different departments to check on the status of the Forgery/Fraud Instrument Affidavit we were advised it could take up to 45 days before review and refund of our money. Today we received a letter from the Dispute Resolutions Manager at 5th/3rd Bank, that our claim for Check Fraud had been declined due to " past time frame to dispute ''. It was less than 4 months before we found the forged check. I do feel this is adequate time in which to gather information and proof of this crime. The is a business account and is very active. The 5th/3rd Account is a secondary account and was not immediately looked into for forgeries. We feel that only giving 30 days to file the Forgery/Fraud Claim is not sufficient time for a crime taking place at a business, After all, it takes 5th/3rd Bank 45 days to come to a decision on this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In  XX/XX/XXXX  I filed a complaint with  XXXX  and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}

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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX was notified by me in reference to some inaccurate accounts on my credit report. I have notified XXXX priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed  over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for XXXX is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has continuously given me the run around and suggested I continue forbearance, when I did apply for IBR they quoted the payment as XXXX but the Navient Payment reminder stated I owed XXXX? I am willing to pay my loans but can not give them my entire paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX reported old debt as new to my Equifax credit report. I have NOT had a XXXX XXXX account since XXXX XXXX. I have not paid a bill to XXXX since XXXX XXXX. I XXXX the debt in Bankruptcy in XXXX in NC. The debt is more than XXXX XXXX XXXX NOW and I want it removed from my credit report in its entirety. DO NOT ADD A NOTE that it was included in Bankruptcy while leaving a balance owing is ILLEGAL. I want XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: My car was totaled on XXXX XXXX, 2014. I was hit from behind by a girl who was probably texting. My Insurance company took possession of my totaled car immediately and paid me off on XXXX XXXX saying, in writing, that as part of the settlement they were also paying off the balance of my car at Wells Fargo Dealer Services. Apparently there had been some change in the payoff when they sent the check and Wells Fargo sent it back to them. They did not pay off my car on time and I actually had to make another 2 payments on the car, which they reimbursed me for. A manager at Wells Fargo Dealer Services named XXXX assured me, XXXX XXXX and my attorney in a conference call that he would have the bureau corrected and it still has not been done. This month marks the 1 year point since I was hit and next month will be 1 year since they put this ding on my credit, reducing my score from XXXX to XXXX. I now need to buy another car for my family and am going to have to deal with the interest rates afforded for a much lower score than mine should be, due to no fault of my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion dispute XXXX XXXX Reply| Yesterday, XXXX XXXX You I 'm looking at my credit report on XXXX and I 'm attempting to file a dispute with their automated system but it 's not letting me and then I logged into your website and it 's telling me I ca n't file a dispute so now I 'm contacting you through here and hope that you 'll help me file a dispute there are a couple mistakes There are XXXX accounts with this Bank XXXX XXXX shows a balance of {$1900.00} the other shows a balance of {$5800.00} both of these accounts have clearly been compromised and I 've been attempting to resolve this there are numerous fraudulent charges on both accounts both account should be closed immediately XXXX showing a balance of {$5100.00} I have no knowledge of this account this account does not belong to me never has

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 03/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (DE).
Issue: Loan servicing, payments, escrow account

Complaint: About one year ago my mortgage company increased my payment by about {$280.00}. I was paying {$610.00} and have been paying {$890.00}. They claimed that my property taxes had increased and that was the reason for the payment increase. I went down to the tax accessor 's office and they said that my taxes had not increased, in addition my taxes are reduced even further because I am XXXX so I receive a tax reduction from the county which I complete that paperwork every year. In addition, my homeowners insurance had not increased, therefore my mortgage payment should not have increased. What they are doing is illegal and violates RESPA. They have failed to resolve this matter or give me a reasonable explanation why they are continuing to charge me this increased erroneous amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification from PNC BANK and after being ask for a year the re-send the same document over & over I was told by my point of contact twice that the investor did not respond to the modification package, so there for the modification was denied. I have attached a letter with some out lines.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX 2016, Chase Mortgage placed my home in Foreclosure. 
Chase demanded I pay {$11000.00}. XXXX to have my home rescinded from Foreclosure status and stop all foreclosure activity. 

In XXXX 2016, I overnighted a Chase Bank cashiers check for the full amount of {$11000.00}. As of XXXX XXXX, 2016, I have not received a recorded rescinded document. I do n't know if my home is still in foreclosure or if it was rescinded. Chase Mortgage did cash my cashiers check, but never mailed me a copy of the recorded rescinded document. 

I am worried because I do not know how the foreclosure on my property stands as of XXXX XXXX, 2016. Chase Mortgage has failed to communicate if they are continuing with the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Rewards

Complaint: I applied Chase Sapphire Reserve credit card in XXXX 2016. As the benefit of this application, I should get XXXX credits for travel expense. So I used this credit card to book XXXX night stay in the vacation condo XXXX in XXXX XXXX, Texas in XXXX 2016. But I did n't receive the travel credit. So I called Chase twice and their representatives said this XXXX is classified as real estate agent in their system so my reservation is not qualified for the XXXX travel credit. 

But as a customer, how can I know which category this vacation rental belongs to in Chase 's system? I do n't think it is my responsibility to verify company property. I used this card to pay travel expense, and I think it is not acceptable that I can not get the benefit I should get. Does this mean in the future if I use this card to book any vacation rental house, I have to verify with Chase before I make the reservation to get the travel credit? Or each time they can use the same reason to refuse to give the travel credit to other customers? If vacation rentals have different categories in Chase 's system, should it be Chase 's responsibility to give each customer a list to let us know which vacation rentals are qualified for the travel credits? I felt I was cheated by Chase since the annual fee for this card is {$450.00}, but Chase did n't provide the corresponding service. 

So I fill this complain and wish CFPB can help me get an acceptable answer from Chase. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (ID).
Issue: Closing on a mortgage

Complaint: In XX/XX/XXXX I filed for chapter XXXX bankruptcy and I continued to pay for the mortgage after the debts were dismissed. I never reaffirmed the debts. I stayed in this home till XX/XX/XXXX and lost my job so I could not afford my home. The home was worth less than I owed so a short sale was done. 
Currently I am trying to get a new loan in order to purchase a new home. The under writers are telling me that this short sale is showing up in the fha underwriting system even though it was covered under my chapter XXXX bankruptcy. 
I can not be approved for a loan because this is showing up as a short sale of less than 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with Experian Information Solutions Inc. (SD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: BY the way, the CFPB 's dispute site is not very user friendly. The options are limited for the complaints. I want to submit that all XXXX major credit reporting agencies dispute process on-line is not easy. These should be consistent and not require so many hoops to jump through. It should pull up your report and allow you to dispute each item and upload any additional documentation for your dispute. While some may offer these options, Experian is almost impossible to submit a claim as it kicks you out of your session then tells you you have to mail in your dispute? How inconvenient is that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Again, after making a payment to Navient, my balance increased. This has happened several times, but this time I took screen shots of the page. On XXXX/XXXX/2016, prior to making a payment of {$300.00}, my balance was {$34.00}, XXXX and today ( XXXX/XXXX/2016 ) after posting my payment of {$300.00}, my balance is {$34.00}, XXXX. Previously, when I have contacted customer service at Navient about this, I did not have the screen shots to prove my balance increased and now I do. Kindly advise me on what to do about this as it appears to be an ongoing issue that may have been costing me money I do not owe. I am happy to provide the screenshots as well. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Colony Brands, Inc. (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid debt aware it did n't update on my credit reports but they only argue and tell me to do what I need to do and this was a manager

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I've trying to contact all three credit agency for the past year, and No response has been provided. 
According to my credit report I have no Late or Negative issues on my credit history, But the credit agency keep saying is I have " Too many installment accounts with a delinquent or derogatory payment status '', but I have none. 
Please help on this matter.

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 11/22/2017 about Mortgage (Other type of mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (FL).
Issue: Trouble during payment process

Complaint: This complaint pertains to illegal business practices employed by PrimeLending ( XXXX XXXX ). 

They service my primary residence mortgage. 

As a result of hurricane Irma, I was granted a 3-month disaster forbearance payment deferment, which covers the months of XXXX, XXXX and XX/XX/XXXX, with regular payment resuming on XX/XX/XXXX. 

Despite my loan being put on hold, I get assaulted by daily calls, emails and default letters. I called PrimeLending several times and tried to explain that I am not supposed to make ANY payments until XX/XX/XXXX - which they have acknowledged every time while promising to end the illegal debt collection efforts. 
Despite their promises, I keep getting hit with collections calls, default letters and emails. 
The explanation I was given was " our system is outdated '' and can not stop sending those notifications despite me being on a forbearance plan. 

I plan on filling complaints with BBB and all other agencies and cousumer protection and advocacies entities to make this stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The inquiries below should be deleted from my credit rort. I didn aurthoizeed thiese inquiries. 

MECHANICS BANK FKA CRB Date : XX/XX/2016 XXXX XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX TEXAS Date : XX/XX/2016 XXXX XXXX Date : XX/XX/2016

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