milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Settlement process and costs

Complaint: Wells Fargo - I have been working with them on a refinance of my house since XX/XX/XXXX. They kept stringing me along, telling me we were going to close shortly. Each time the rate lock expired they told me not to worry, I would not have to pay the fee. The rate lock fee would be waived. I was supposed to go to closing today and all of a sudden there is a {$3800.00} charge for rate lock extensions. They said they decided not to waive it and I could either go to closing or they would have to cancel the entire deal. I choose not to close. 
Additionally, I went with Wells Fargo because my current mortgage is with Wells Fargo. They told me that they could just move over my escrow account and I would not have to pay it out in the closing. Today, they told me that I would have to pay for the escrow and I had to go to closing with {$11000.00}. 
It should n't take four months -- I feel like I was pushed along in the hopes that I would just pay the fees that I was told I did n't not have to pay. I would like to warn others about getting involved with Wells Fargo.

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 08-12-2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (MD).
Issue: Trouble during payment process

Complaint: In the latter part of XXXX 2017, I received a letter from PHH, the company that services my mortgage. The letter was an escrow analysis and indicated that my escrow account had a projected deficit of {$320.00}. The letter gave me the option of doing a onetime payment or spreading the shortage out over 12 months. When I sent my XXXX payment in, I added the {$320.00} escrow shortage in with my regular payment. I wrote on the payment coupon that I was enclosing {$320.00} for the escrow shortage. I also sent them a letter stating that the extra {$320.00} was for the escrow shortage only! I mailed the payment priority mail and confirmed the delivery. Today I received my XXXX mortgage statement. Despite my clear instructions, they did not apply the {$320.00} for the escrow shortage. Instead they applied it to my principal balance and are billing me for the {$320.00} escrow shortage. This should be illegal and fraudulent on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (FHA mortgage) with Selene Finance LP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX, I received an Annual Escrow Account Disclosure Statement from Selene Finance reflecting a surplus of {$18000.00}. I called Selene and spoke to a XXXX on XXXX XXXX, XXXXto verify this statement. I was told by an agent named XXXX that this was a coerrect statement and that I had overpaid my escrow account. I asked him about what happens to the money and was advised that it can be applied to my XXXX XXXX, XXXX XXXX payment of {$750.00} with the remaining balance of {$370.00} to be applied to the XXXX XXXX payment. I was to fax a letter stating that and did so XXXX XXXX, XXXX. In XXXX XXXX, I made a payment of {$360.00} and as of XXXX I continued the payments of {$740.00} by calling Selene directly with phone payments. Unknown to me, as od XXXX XXXX, my payments were reduced to {$720.00} but I was never informed on my numerous phone calls to them while trying to resolve other issues with my account. I was also informed that my account was 3 months behind when I made all of my payments, but was advised that it was due to a problem with the records they received from XXXX when they took over my mortgage XXXX. Finally in XXXX XXXX, the person that was assigned my account did research it out to find that I was miss-informed regarding the Escrow Statement and that I DID NOT have the credit of {$1800.00}. My current balance owed to them was in fact {$3300.00} and needed to be paid as soon as possible. I did issue a check in XXXX XXXX to bring the account current. By XXXX, Selene never adjusted my credit report to show that I DID NOT have an outstanding balance of XXXX and they show that I was late on my payments from XXXX XXXX. After filing disputes their rep adjusted the past-due balance to {$0.00}, however it still shows the past-due payments. My credit is reflecting POOR when a merchant pulled it. I do not feel that my credit reporting should show " late payments '' due to the fact htat THEY made the error of sending out the statement and that XXXX advised me that the statement was correct EVEN WHEN HE DOUBLE CHECKED IT WITH HIS SUPERVISOR! Also, keep in mind that each month last year I was actually over-paying {$21.00} a month due to the adjustment made by them lowering my payments. I feel that Selene should own up to the fact that they made a BIG mistake and should really reflect that I DID make every monthly paymeny AS AGRREED!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Making/receiving payments, sending money

Complaint: Please refer to my previous compaint Case number : XXXX ] where I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about XXXX Pay so, I downloaded the XXXX Pay ( XXXX XXXX ) in my iPhone. Then made a call to XXXX XXXX to understand the process. I was told to add XXXX Pay as payee in my bank checking account and paid the money I wanted to transfer into the XXXX Pay. So, I paid {$620.00} from my Capital one 360 checking account to XXXX Pay and XXXX Pay received {$620.00} from checking account on XX/XX/2016. After making several calls and emails ; I was notified by XXXX XXXX Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XX/XX/XXXX and XX/XX/XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money. 
When I brought up this matter with capital one 360 ; their inquiry concluded that they were instructed and provided the XXXX Pay address by me which is totally untrue. As a matter of fact I with the help with their cafe personal banker downloaded XXXX Pay icon from capital one 360 bank 's website to add as a payee in order to transfer {$620.00} electronically to XXXX Pay and they sent out a paper check instead. Everything was done using their website so, I did not have to provide them with XXXX Pay address. Bank claims that the address was entered manually which I had no knowledge of it and as a consumer I had to trust the banks 's rep. and website. I feel like scammed and neither XXXX Pay nor capital one wants to to take the responsibility and trying to escape from their responsibility. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon reviewing my XXXX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my TRANSUNION file I also noticed 3 hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXXXXXX XXXX  XXXX that is showing for XXXX and 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
Consumer complaint received 07/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I pay most bills directly through my checking account. I 've never had an issue until now. I had a scheduled payment of {$340.00} for my school loan with FedLoan. According to my checking account on XX/XX/XXXX {$340.00} was taken out by the Dept of Ed. XX/XX/XXXX I received an email from FedLoans stating that my account was past due. I called customer service the same day and informed them of the error. I was told that no payment shows up on their end and I should check with my bank. When I contacted my bank they were able to see that the money was taken out and is sitting with FedLoan 's bill pay company XXXX. My bank tried to schedule a 3 way call with me, the bank and XXXX. XXXX refused to speak on the recorded line. My bank advised me to to call my lender again and explain to them what 's going on with XXXX. My bank even opened a case and had an incident number ready. XX/XX/XXXX I called FedLoan again but the customer service rep did n't have much to offer regarding XXXX. She simply said email or fax proof to FedLoan that {$340.00} had been taken from my checking account. She also told me I should sign up for automatic payments. NEVER! ( I had done this before with FedLoans and had gotten screwed when {$600.00} was taken out by accident. ) That same day I emailed and faxed my bank statement. In the meantime my bank encouraged me to make another payment ( using another method ) to FedLoan since I was in a late status. On XX/XX/XXXX I made a payment directly on the FedLoan website. This morning I received an email notification from FedLoan. When I logged into my account there was a letter dated XX/XX/XXXX stating that my XX/XX/XXXX payment was still past due! Mind you, the payment I made on XX/XX/XXXX is reflected on my FedLoan account online. As of right now no one from  FedLoan has responded to me or my bank and someone still has my {$340.00}. To add insult to injury I also read a letter on my FedLoan account about my employment certification for the Public Service Loan Forgiveness program. They are still giving me the wrong start date. The whole situation stresses me out. I work hard to pay my bills on time and keep my credit in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off a debt with XXXX XXXX and my credit report with Equifax has not yet been updated. I am including proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: My Equifax credit file has an inaccurate date of birth and I have been trying to resolve this problem with them but to no. The date of birth reporting on my credit report is XXXX XXXX XXXX which is inaccurate. The correct date of birth is XXXX XXXX XXXX. I sent copy of my passport which contains correct date of birth and now I attached the same copy with complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is not reporting my XXXX XXXX Visa ending in XXXX and my XXXX XXXX Master Card ending in 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 explanation
Consumer complaint received 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Oportun Financial Corporation (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I owe Oportun for a loan. I was in an accident at work and lost my job. Right now I 'm temporary XXXX and not making any money. I 've told them this several time and they keep calling me and harassing me, and not only me, my friend have gotten several calls from them. That 's what makes me mad the worse. Please help me stop them calling me until I get a job back and be able to pay themy off. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Bank of America has been withholding XXXX {$100000.00} of transactions in our merchant account for our business, XXXX XXXX XXXX. 

Information was requested by their risk department ( XXXX XXXX XXXX ) regarding transactions, upon which we provided XXXX verbal confirmation and faxed in invoices and customer information. 

This department continues to request information which they already possess. Examples of this would be financial information ( they are a bank ; they have all my financial records ) and business venue information XXXX they already know the address, website url, etc which was provided when establishing our account. ) This is not only borderline harassment, but they continue to withold our daily disbursements from sales.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: How can Quicken Loans own an Appraisal company who is always selected to do their appraisals?

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the middle of trying to settle a short sale thru Select Portfolio Service located in XXXX XXXX XXXX, Utah. We have submitted documents that they have asked for on several occasions. They are still working on imaging documents that were sent to them on XXXX/XXXX/XXXX. This is the third time these documents have been sent to them. They are holding up the short sale process since XX/XX/XXXX. In the mean time they have sent me documentation that they are going to foreclosure on the residence. The hold up is them, and they are harassing me daily for items that have been sent to them.i have a court appointed trustee attorney on it and a short sale attorney on this case to get it resolved. They suggested I write this to file our complaint on the incompetence on their part. They are now asking for financial documents that were sent to them in XX/XX/XXXX from the short sale attorney. This will be the 4th time they have asked for it and received the same documents. I do n't know where it goes, but we get verification that they receive it thru e-mail. after a period of time they are asking for it again. These are the collection agency for XXXX XXXX that has the loan on the residence and property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: We have had ongoing disputes against Select Porfolio Servicing filed with the CFPB. Those disputes are under claim # s - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - XXXX, and XXXX. All of these complaints request information regarding our " mortgage '' that was supposed to be paid XX/XX/XXXX but was placed in false default by SPS, with the loan " paid out '' by another entity before receipt of our payoff loan amount. SPS has just sent us a letter, see attached, stating that they can not response to our requests for information given that the loan was serviced over a year ago. However, in XXXX XXXX, SPS acted as a servicer, without any authority, or Power of Attorney to act, by recording a new assignment, and discharge, in our County. SPS also provided information to us that our loan, prior to our actual payoff check, was placed in default due to Forced Placed Insurance ( that was not required at all ), and we were never informed of that insurance. SPS also assessed default fees and charges against us after we paid off the loan in XX/XX/XXXX. SPS refuses to identity the entity that actually paid out on the loan to SPS, and what SPS actually did with our payoff check monies. SPS states that it has been over a year for servicing, but they file an assignment and discharge, without authority, in XXXX XXXX. Obviously, SPS was still servicing in XXXX XXXX - or they have no authority to record any documents in our County. We request, again, for SPS to provide all information, regarding our loan, that we have requested, and SPS has failed to provide, and to explain why SPS continues to act as a servicer, on behalf of XXXX XXXX XXXX Bank, who has no knowledge of our loan, in XXXX XXXX, but refuses to cooperate with us to provide accurate and complete information as requested, multiple times, and under RESPA, to us..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America intentionally kept me from being proactive and getting a mortgage modification. I was denied until I went into foreclosure. After that Bank of America sold my mortgage to XXXX loan company.. As I was in negation for a modification from them BOA took me to court to foreclose on the property they sold to XXXX. They sent me a letter after the act asking me to forgive them of prejudice.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: My
name is XXXX XXXX XXXX. I have a twin brother by the name of XXXX XXXX whose information is appearing on my report. I have contacted the credit bureaus : XXXX, XXXX, and Equifax to resolve the matter. Equifax submitted the dispute but responded that all the accounts belonged to me which is not true. Equifax has refused to use documents from the creditors to support my dispute. Equifax has also blocked my file permanently so my employer has been unable to pull my credit to make me eligible for my securities license. Since I ca n't get my securities license, I can no longer be an Agent with XXXX. I 'm also unable to close on my home. I did not renew my lease so XX/XX/XXXX, I 'll not only be jobless but homeless.
My mother died after giving birth to my brother and I. Luckily she named us similarly because we were separated and adopted by different families. She was a drug user so the cause of death has n't been fully explained. We have no idea who she is.
My brother and I not only have different names but different social security numbers as well. I would greatly appreciate if you all would request that Equifax remove the files from my credit report that were not only deemed fraud back in XX/XX/XXXXbut also remove the items that are attached to my brothers SSN.
I also believe that they purposely and maliciously disputed information in my brother 's name so that all accounts could and would be verified. The reason why I feel this way is because all of my brother 's creditors are sending him letters to MY address in regards to a dispute. My brother did n't dispute the information so why would the letters say XXXX XXXX instead XXXX XXXX XXXX if I 'm the one who requested the dispute via Equifax? Refer to the document attached labeled XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I apologize in advance if this complaint is out of your scope of action, but I am frustrated. I reached out to AES in regards to my sons student loan that I am a cosigner on. I explained to them via a " direct credit dispute form '' that they furnished where I explained that I take my credit very seriously and pride myself on not having any derogatory marks on my credit report and that AES has always been paid " on time '' for many years now. In XX/XX/XXXX when I was paying bills electronically as usual and on time something went wrong either on my part or with my bank but none of my transactions posted even though I had thought they had. It was n't until I received a late notice that I realized none of my bill pays posted. I immediately paid all payments that did not post thinking everything was alright and current. I asked that AES look at my payment history and/or any of our other student loans and it should be evident that this clearly was some type of glitch and I requested a " goodwill '' gesture to have the negative mark they placed on my credit report removed. I only contacted AES because none of the other three student loan companies had a problem with the XX/XX/XXXX issue. AES did respond to me stating only that it is their responsibility to report accurate information and that nothing will be done. I do n't feel based on my credit history that this was very fair on AES part and I am hopeful that you can assist in my dilemma. On my sons side he is almost XXXX and is a struggling XXXX where with so many graduates defaulting on their loans you would think a student loan company would be more understanding of graduates that are paying their debts back for XXXX. I hope you can help and thank you!

Company response to consumer: Closed with explanation