milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: How is Wells Fargo able to approve me for a  XXXX  Mortgage Modification when the appraisal of the property is  XXXX ? Also, they have charged over  XXXX  on an Interest only pick-a-payment loan and the company settled out of court and was paid off by the government  XXXX  of dollars, and were supposed to use that money to help homeowners get a more affordable mortgage modification. They never have helped the homeowners, including myself like they were supposed to! I would like an explanation of why this is being allowed and how this is legal to do.

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 08/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing has sent me mail and left messages on my answering machine to give them updated hazard insurance information for my condominium. I have mailed it to them, emailed them, been on XXXX way calls with them and my insurers to prove I have coverage through my association. In fact I have a copy of my coverage right under my nose as I type this. They have vehemently denied they received anything from me and have forced insurance coverage that I will have to pay through an escrow account. I am at a loss of what to do. I have followed their instructions about mailing it to them, some agents have given me an email address while others say there is no email address. I do not have a fax machine, so I can not send it via fax ... although I am thinking of going to an office supply store to give it a shot. Tomorrow I will be sending certified mail with the policy so that I have some documentation they received it. I do n't want to pay my mortgage anymore because part of my money will go to mortgage insurance. I ALREADY HAVE HAZARD COVERAGE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The following XXXX accounts were not properly investigated by this reporting agency and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. The agency should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (CD (Certificate of Deposit)) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have a friend who is a resident of  XXXX  and has accounts in the United States at 2 financial institutions. One of the institutions being USAA. I have power of attorney for my friend at USAA. Just this year they have started withholding taxes on his CD and Savings accounts even though he has a   XXXX   XXXX   form on file and it is up to date. The form he has always used to not have taxes withheld. This form allows him the benefit of not having to pay taxes on any interest or dividends accrued on accounts because he is not a US citizen and does not live here or have any type of business. I have contacted USAA on several occasions regarding this matter and they are unfamiliar with the form and have stated they had an audit in   XXXX   of 2016 and deemed it appropriate to start withholding taxes because he is the primary on the account. Of course he is, it is his money and because of the treaty between   XXXX   and the United States he has the ability to be tax exempt. His other bank does not have a problem with this form and still honor it. The   XXXX   XXXX    form is very clear he is tax exempt.
Sincerely

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: This complaint concerns a distribution from my old XXXX from Wells Fargo as a rollover to my new XXXX. Last year, I closed my Wells Fargo XXXX account and asked for a check for the entire balance to be made out to my new XXXX financial institution XXXX my name. I received a check in the amount of what I was told was the entire balance made out correctly. Subsequently, I was sent XXXX more checks that included small additional distribution amounts. Some of these checks were not made out the correct way, as in the money was distributed in my name instead of the name of my new financial institution. Every time I get XXXX of these checks, I have to print out the roll-over forums and mail everything priority mail to my new institution. More worryingly, this company made additional distributions in my name instead of the financial institution with XXXX. Because of this, I now owe a tax liability on this money. I was never asked for nor gave consent to have the checks made out to me, and I was very clear in the multiple calls I made prior to receiving this money that I wanted all checks to be made out to my new financial institution. I called Wells Fargo, and they refused to do anything about how these checks were made out or to redistribute it to me.

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 06-01-2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Struggling to pay mortgage

Complaint: I have had a contract on my property since XXXX XXXX 2017 and the bank has yet to consider the offer. They began by telling me that I have to go through the waterfall process and I understood that, I sent them over an opt out letter stating that I do not want to be considered for a loan modification, as I am XXXX XXXX and I do not know where I will be sent to next. Now they continue to harass me for bank statements that I have already provided and I am about to loose my buyer. Please help me to be able to get the short sale on my property done, as I do not know what is going to happen from day to day.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a XXXX checking account in XXXX XXXX using the promotion code XXXX. This code promised that if I used the debit card for {$1000.00} of purchases as well as set up a bill payment for XXXX consecutive months, I would receive XXXX XXXX XXXX XXXX miles. After the account was opened with {$52000.00}, I telephoned XXXX to make sure all was in order and give them my frequent flyer number. They assured me all was in order but in order to record the frequent flyer number I should call XXXX, the XXXX direct line which I did. The person on that call also assured me all was in order and took my frequent flyer number. 

Once I had executed the requirements and the appropriate period ( plus ) had passed I called to find out why the miles had not been posted and received an encrypted email on XXXX XXXX, XXXX saying I would not receive the miles because it was a 'targeted ' offer. I honestly do not remember where I got the code, but I have to assume it was a mailing from Citibank - where else would I get it? But at no time - when I applied to open the account or either time I called to make sure I was correct about the terms and provided my frequent flyer number - was I informed that Citibank had a problem with my eligibility. In fact quite the opposite. 

I have left the money in the account and recently read about the CFPB assisting in just such a matter as this.

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 06/23/2017 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: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In response to my first complaint (  XXXX  )  NCB Management sent   information to an address that does not belong to me, never has belong to me, and to which has been a disputed address on my credit reports. Whether mail was returned via the post office is not for me to find ou t, 1. Ho w would I know mail was sent if the address is not mine?     If mail such as this was sent via certified mail with signature requested then we would n't be going through this right now.  XXXX  nor  NCB Management s ent me validation of this debt or the notice it was going to be reported, nor did either of them send me the notice of sale after repossession until this complaint was filed t hen NCB sent n otification and documentation. This is against laws, and part of a repossession is to provide a date and time of sale in case the consumer would like to gain ownership of the car again and that 's was never received until after complaint through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: In XXXX XXXX, my wife and I discovered that our social security numbers were used to submit fraudulent income tax to the IRS. Subsequently, we were notified by the IRS that our social security numbers had been compromised. This ( tax fraud using our social security numbers ) continued for subsequent XXXX & XXXX tax years. 

Hence, we submitted all the required and necessary documents to the three credit bureaus ( ie. XXXX, XXXX, and Experian ) and requested for them to place a security freeze on our credit accounts in XXXX XXXX. XXXX and XXXX immediately complied, however, Experian did not. 

Subsequently, I resubmitted my request along with the necessary documentations two more times in XXXX and XXXX of XXXX. Unfortunately, each time Experian continued to deny my request even though it approved my wife 's security freeze request on the third attempt. Instead, they placed a 7-year fraud alert on my account. 

Experian claimed that they were unable to honor my request for security freeze because I " did not meet ( their ) criteria for a valid identity theft report ''. I am puzzled with their response when my social security number ( ie. tax id number ) was clearly compromised.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I sent a certified letter to Equifax requesting an investigation of a Chapter XXXX   Bankruptcy that is being reported on my credit file as I was affected by the Equifax security breach. On XX/XX/XXXX I received and maintain a copy of the certified receipt verifying that my request was received by Equifax. Per the FCRA section 611 ( a ) ( 1 ) ( A ), Equifax had 30 days to complete their investigation. I received no response from Equifax. On XX/XX/XXXX I sent another letter making Equifax aware that they are in violation of the Fair Credit Reporting Act by not completing the investigation within the 30 day time period.

On XX/XX/XXXX Equifax responded stating that the information was verified and is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Billing disputes

Complaint: I have requested information regarding my credit card account being abruptly closed and I was contacted by a representative stating that my dispute would be resolved and I have never heard back from this representative. I am eager to resolve this matter as it is reporting negatively on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: By the end of   XXXX   XXXX  , Ban k of America n otified me that my home loan ( Account #  XXXX  ) serviced by  XXXX   ( A ccount #  XXXX  ) was going to be transferred to  BofA ag ain. They notified me with only  2 weeks  in advance. I used to pay twice during the period of the  XXXX . and   XXXX   of each month through the bill payer I had set up in my  Credit Union  account.  XXXX  received the first payment on   XXXX   XXXX   XXXX   as it can be seen in the payment history attached but the second payment set up for the  XXXX  was returned to my account. I was informed by the  Credit Union tha t  XXXX  had close the account.     In  XXXX  I sent to  Bank of America  the returned payment as well as the due payments for the month. BofA kept showing and still is showing in my account on line, that my payment was/is past due. I went a couple of times to local branches but I was told that all mortgages are only managed on line. I contacted BofA to inform them that all the payments had being submitted timely and that they should post the last payment I sent to  XXXX . In the meantim e, BofA has sent  me letters a couple of them certified letters offering " help '' with my missing payments.      Three  months has passed since the account is showing missing payments that are not truthful. There is no pending or missing payments at this time. I am writing you so BofA update all the payments I have made to my account. Past experiences have taught me that at the end I am hold responsible for actions that  BofA has done  or not done. I am asking you to please request BofA to request the missing payment to  XXXX  and keep a truthful record of my mortgage payments.

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 06/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AK).
Issue: Account opening, closing, or management

Complaint: I opened my CitiGold checking account XX/XX/2016. I signed up for it because I saw a bonus promotion that promised XXXX citi thank you points miles would my account. To receive the bonus, I was supposed to make a least one bill payment per month for two consecutive months within 60 days of opening the account. After I completed these requirements, I asked Citi customer support when I could expect to receive the promised points. I received a response that contained this : " Upon review of your account ending XXXX, I can confirm that you were not targeted for any promotions for the opening of your account. If you have the flyer that is addressed to you with the terms and conditions of the promotion. I apologize for the inconvenience. " In this message I was told I would receive the points because I was not targeted. There was no mention of targeted offers when opening the account. I met the terms of this offer and Citi should meet the requirements and award me the points.

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 Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2016, a fraudulent attempt to open a XXXX card in my name occured. It resulted in a hard pull. XXXX has sent a letter ( dated XX/XX/2016 ) to all XXXX credit bureaus to remove the hard pull. Equifax is the only remaining credit bureau to have not remove it ( numerous confirmation numbers with no result ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from Commonwealth dated XXXX XXXX, 2017 stating that I owed {$700.00}. I sent them a certified letter for debt verification with a bulleted list of validation points : What the money you say I owe is for Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent In a letter dated XXXX/2017, they show diagnosis codes with no explanation, a CPT code and an amount. But, on page 2 it clearly states : Date Billed XX/XX/XXXX Amount billed XXXX Write Off Amount XXXX Deductible Amount XXXX Co Pay Amount XXXX Total Patient Due XXXX Prev Patient Pmts XXXX Cur Patient Due XXXX They have failed to verify the debt ; in fact sent me proof that there is n't one. There is nothing showing I agreed to pay. There is nothing showing how the amount was calculated ( no itemized fee ) or what it 's actually for ( diagnosis codes and a CPT code are meaningless ). No proof regarding their ability to collect is included either.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt appeared on my credit report this month and I never received any notification about debt plus this debt was previously deleted off my report from XXXX  under another debt collector XXXX  ( XXXX XXXX XXXX ) .This company must have sold the debt and it was acquired by DIVERSIFIED ADJUSTMENT XXXX XXXX  XXXX XXXX 2018 {$660.00} .The last company didn't have proof that this debt belonged to me and so it was deleted off my report and by law it shouldn't have reappeared on my report

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. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which Has a XXXX. XXXX keeps transferring us to another company called vision. They hang up on us, claim they do not need to furnish us with documentation regarding this account. Then they tell us to call XXXX and XXXX claims they do n't answer questions in regards to collections. I have read and read about how this company has done this to so many individuals out there and nobody can understand how the credit bureaus do n't research what is being placed on a report that basically is the prime basis for an individuals life. This seems fraudulent on both XXXX and the credit reporting agencies. It ruins lives just like it ruined mine because nobody at the bureau took a minute to fully reaserach the information being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NC).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: On XX/XX/2017 I requested online, through my account message center at PNC to close all my accounts. I was sent a reply stating that my accounts would be closed by XXXX XXXX 2017. My account was not closed on XX/XX/XXXX and is still opened. I talked to someone on PNC chat on their website acted as though they did not know what I was talking about- despite I sent a copy of the email reply. The person on chat told me that I would have to zero my balance out first. I have kept very little in this account and the balance stays the same. Pnc charged me over {$10.00} cents in fees. And despite 2 requests to close my accounts - they are still opened ( despite I was told my accounts would be closed ).

Company response to consumer: Closed with explanation