milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2018 about Checking or savings account (Checking account) with U.S. BANCORP (WI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I made a deposit into a US Bank branch in XXXX, WI for a rental agreement regarding and apt in XXXX my. We are out XXXX! When we arrived at the rental home we quickly learned it was a scam. I called USBank fraud department and they said they could not flag the Account or do anything because I was not on the account. I have filed a police report and so far have heard nothing from the police or USBank. Meanwhile I was homeless and no one is looking into this account. Someone had to open it. Cant it be researched? Is it flagged? Are more people being scammed? I have copies of the rental agreement and deposit,

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 05/13/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I had my mother deposit a check in to my US bank account and pay a bill for me because I was out of town and it was time sensitive, well she got the XXXX checks switched by accident and I noticed it and called the bank two days later and explained to the girl and she understood and even said it happens I explained I was going to go and deposit the amount and she said not to worry. This was on XXXX XXXX 2016 on XXXX XXXX 2016 I went to check the balance on my account on the phone and it did n't recognize my pin number, so again I talked to customer service and the girl said that there could be a glitch and call the main branch but never did she say that there was an issue with my account. Now on XXXX XXXX I went to pay my electric bill and my card was declined well after contacting US Bank I was informed that my account was on hold for fraud because of the incident that happened. After talking with the fraud department I was told that it was put on hold to be cancelled I asked why was I never alerted because the bank sends me messages for everything else I was told that they do not notify people only by letter and Ill get that in ten days, well still no letter. Also I have a direct deposit that was suppose to post on XX/XX/XXXX that is sitting in limbo and was told they will deduct the negative amount on Tuesday XX/XX/XXXX and send me a cahiers check with the remaining balance that will take 7 to 10 business days if it takes the full amount that will fall on Monday XX/XX/XXXX which is a holiday and I will be without money till XX/XX/XXXX because that 's when I get paid again

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 05-05-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: First my mortgageisnot behind and hasnt been behind for a while now. Since XX/XX/XXXX my payments to my mortgage company Ocwen has been rejecting my mortgage payments and treating me as if I am not making payments. I was first told that it was a NSF problem, I didnt investigate it because I had an issue in the past where I had to shuffle my accounts and paid my mortgage on the wrong checking account - I took responsiblity for that error and agreed to the fees, etc.. My account had gotten behind and I used XXXX XXXX get my funds to Ocwen same day and apparently that is the only way I can submit payments since XX/XX/XXXX ( so I learned yeserday ). I was never informed of that unitl XX/XX/XXXX. I have been told it was returned for NSF, then I entered the wrong check numbers ( when they dont even request check # 's online ), then I am using the wrong account number. I suggested several times to them to check and see if my account has any flags and it didnt matter because as long as I have been a customer of Ocwen for many years and XXXX thing is clear, the customer service team ca n't help anyone. I advised the company repeatedly that my account seems to be flagged for no online payments, and every customer service person I spoke to advised me that is not true and continues to advise me to send my payment XXXX or XXXX XXXX. It cost {$40.00} each time to send money, then I am taking on another nsf fee of {$37.00} and my credit score is impacted by being reported late which hurt me when I purchased my new car recently. I have never gotten an XXXX on the phone so I am not sure if there is a language barrier becaseu the urgency of my issue is not being acknowleged or what is the problem but I have been told they would escalate and get back to me, I have asked for managers and I have been lied to that they are transfering me to a manager and I spent XXXX minutes with another representative. I am out of almost {$300.00} worth of fees and then my credit score hgas been impacted as if i am not paying my mortgage, when in fact I am paying it and they are rejecting my payments. I can not go another month waiting for them to fix this issue, I just cant afford to pay XXXX again. I need to speak to a managment level employee to resolve this issue once and for all. I ned Ocwen to provide me the same information every time I talk to them and answer why my account information is not accurate. The customer service number is manned by mindless robots who can not assist real problems. I sent an email to relationship manager and several online emails o Obudsmen. with no resoltion. It is hopeless. Is there anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went online to get my free credit report from TransUnion. They charged me {$19.00} and wanted to bill me for this each month. 
I just wanted my free annual credit report. Now I ca n't get ahold of them to stop this. Do n't want this at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX I spent over 2 hrs with Wells Fargo payoff and then transferred to Preservation unit regarding the {$92000.00} Permanent Forgiveness on my Deferred Principal after three ( 3 ) years of Good Standing per my Modification Agreement effective XX/XX/XXXX. As usual no one has a clue. See attached modified agreement. I 've contacted Wells Fargo many times over these past 4 years for other concerns to never get an answer. My other concerns were the continued Negative Amortization on my loan until agreement above, see enclosed XXXX/XXXX/XXXX statement ( Wachovia ) with monthly deferred interest still being applied. The National Mortgage & State of CA settlement in XX/XX/XXXX against Wachovia 's Pick A payment Option were too reverse these Neg. Amortization, from principal immediately and offer a modified agreement with new interest & principal with automatic XXXX award to all class member B which I was at that time. 
My other concerns Wells Fargo payoff could n't explain back in XXXX is the {$200000.00} deduction on XXXX Cancellation of Debt reported to IRS. Where this {$200000.00} was applied? Modified Agreement total with ( XXXX ) principals was {$390000.00}. 
The Neg. Amortization. was applied to my mortgage balance from XX/XX/XXXX through XX/XX/XXXX monthly, but not reflected in the {$390000.00} Modification agreement from a transfer balance of {$490000.00} ( OLD ).

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (ID).
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: Fed Loan Servicing is reporting to all 3 credit bureaus that I had a late payment in XX/XX/XXXX2015. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX 2015. This inaccurate reporting is destroying my credit. I have called Fed Loan Servicing multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when Fed Loan Servicing sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that Fed Loan Servicing sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice.
I am in the process of trying to purchase a home and the fact that Fed Loan Servicing is
showing these loans as 90 days late in XX/XX/XXXX 2015 is inaccurate and is ultimately affecting me in a negative manner.
I 'm asking that Fed Loan Servicing provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (PA).
Issue: Settlement process and costs

Complaint: I am the XXXX for buyers of XXXX XXXX XXXX, XXXX, PA XXXX. By contract, settlement dated for XXXX XXXX, 2015 and buyers are financing FHA. 
XXXX XXXXPNC, XXXXXXXX is the PNC loan officer and assured me that XXXX XXXX, 2015, was workable. 
Nothing but excuses concerning getting the appraisal in. Buyers satisfied ALL conditions weeks ago. 
XXXX more settlements come after XXXX. All XXXX settlements were clear to close last week with XXXX different lenders. The second in line was FHA, too, and was clear to close last week.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Wells Fargo r ep provided me with a contract that listed someone else information o n it. SSN. I  do not have or had a vehicle with them in my possession. I asked that these tradelines be removed from all  XXXX  bureaus. The contract provided is not valid being that it has another persons ssn on the contract. Also they provided a drivers license copy that has the persons picture removed. All this was sent  by Wells Fargo  Representative  XXXX   XXXX . I have attached the correspondence that was sent.

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 11/20/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Sometime during mid XX/XX/XXXX I was checking my credit score on XXXX XXXX when I noticed that both XXXX and XXXX both showed one ( 1 ) derogatory remark. When I looked both showed I was in collections for XXXX XXXX for {$110.00} by a company Diversified Consultants, XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. I assume this is also on the third credit reporting company as well. I found this odd seeing I have not had XXXX XXXX since XX/XX/XXXX. I know because that was when I moved and never used XXXX XXXX since. The service was ended on XX/XX/XXXX and I owned my equipment. Nothing was owed. I used the address provided on XXXX XXXX and sent a letter to validate the debt but never received anything. On the credit reports for both XXXX and XXXX they both showed that a account was opened on XX/XX/XXXX. What account? I did not open an account. I believe this Diversified Consultants are in violation of the Fair Credit Reporting Act. First they reported to the credit reporting companies that I opened an account with them on XX/XX/XXXX, which I did not. I believe they are re-aging non existing debt to appear that I opened an account with them. Second even if I owed anyone any debt, which I do n't, what they are claiming is past the State of Colorado 's Statute of Limitations for Debt which is six years for all debt. I checked today on XXXX XXXX and this was still there prompting me to file this complaint. I will also file a complaint with the Colorado Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I initiated this account for short sale on XX/XX/2016 by submitting lender package, offer and all required financial docs good through 90 days. On XX/XX/2016 we spoke to Freedom Mortgage and they confirmed that our package was received and a processor was assigned for review and all documents has been received but as per FHA guideline this loan must be reviewed for a Home Retention option first and it might take up to 30 days for the review to be completed. FHA Loan modification denial letter was sent to me dated XX/XX/2016 due to " Insufficient Income-Ability to Repay. '' Since the loan modification process was denied, we then called Freedom Mortgage on XX/XX/XXXX, to request them to order an Interior Appraisal as there was no interior value for this property. After document review was completed, on XX/XX/2016 I have received an email from their XXXX XXXX stating appraisal has been ordered. I received a call from an appraiser for access on XX/XX/2016 and access was provided on XX/XX/2016 and the value was good through XXXX/XXXX/2016 the appraisal was completed successfully. 

After several requests, we finally received a copy of the appraisal on XX/XX/2016. Then the value came back very high and freedom mortgage advised to dispute the value. The valuation dispute was submitted XX/XX/2016. On XX/XX/2016 the freedom mortgage XXXX XXXX sent an email stating Loan has been reviewed and determined sufficient value based on current as-is appraisal & AVM. Dispute the offer and supporting documents, the value dispute was denied out and the lender closed short sale process completely without a chance for the buyer to counter. 

On XXXX/XXXX/2016 we reinitiated the file again for short sale by submitting fresh package with all updated financial good through 90 days, offer and lender package. Then I was advised by the servicer that FHA extended the value expiration and it expires in 6 months which is XX/XX/2016. So, I was advised by freedom mortgage that they will order a new appraisal once the current value expires. When we called in freedom mortgage on XX/XX/2016 to get an update on the short sale review and the status of appraisal order they are advising me that the file needs to go through Home Retention Water fall process again whereas it has not even been 7 months since it got denied for Home Retention option on XX/XX/2016. In regards to the appraisal order they are advising me that they do not know when it will be ordered and they are not giving me any clear update on the file. When requesting to speak with management, I was also denied. Freedom Mortgage representatives are even advising me to call FHA for any updates on this file whereas they are servicing this loan.

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 01-04-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I purchased items on My Macys credit card. I returned XXXX of the times. 
No credit was given, until I called. Then they gave me store credit. Which I didnot want, or request. I wanted to credit to be returned to the card as I had purchased it. Deceptive selling practices. Pretty much had I not called them. They would of charged me the extra {$64.00} ( on the items I returned ) plus interest. NOt cool. 
They offered me " a credit '' to use in the store in 7-10 days..just ridiculous. 
Then had to argue with their out of the country representaives about making it right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo placed a hold on my mobile deposit without notification. I deposited a check for {$600.00} via mobile deposit, and the email said it would be available on XXXX/XXXX/2016. Without ANY notice, they have now placed a hold, even though the {$600.00} check has already successfully cleared the other bank. Wells Fargo is committing fraud and causing an illegal overdraft. Not only are they holding a check that has already been paid, they placed a hold without notifying me in any way shape or form, most likely in an attempt to scam me for overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I have attempted to reconcile my repossessed vehicle payoff with direct phone calls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and finally a consumer protection email on XX/XX/XXXX requesting to attempt to reconcile my defaulted car loan with Capital One. I have left voice mails stating my desire to try and get this taken care of. I am trying to do the right thing but they refuse to even try to help me get this done! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received the results of my dispute ( Confirmation # XXXX ), and Equifax allegedly 'verified ' that trade line XXXX XXXX XXXX belongs to me. I complained against XXXX XXXX in CFPB Case No. XXXX. I also sent XXXX XXXX a FACTA request, which it received on XXXX/XXXX/2016. I demanded XXXX XXXX produce the exact contract for debt that I allegedly signed. It is now XXXX/XXXX/2016, and I have not received such proof. If no proof exists, Equifax needs to delete this trade line immediately, as the Fair Credit Reporting Act ( FCRA ) does not permit reporting of accounts without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have initiated XXXX total disputes with Equifax over the last year to contest a debt that I never signed for and want removed from my credit report. XXXX XXXX is the debt collector that I contacted to get this handled. They responded with a " lease agreement '' that has no signature anywhere on it. I 've sent XXXX XXXX XXXX letters referencing violations under the FDCPA and FCRA. 

After further investigation, I went through the FEDERAL MANDATES and noticed several violations against Equifax 1. Equifax did not complete a proper investigation with the collection agency. 
2. I requested Procedure on how Equifax verified the account. They never responded [ 15 U.S.C 168I ] 3. Equifax has taken more then 50 days to respond on every letter I sent. 

Attached is the evidence I have compiled against Equifax , I have exhausted all efforts to get this corrected on my own to no avail. 

Please help me take action agianst this incompetent company, It 's unbelievable that the government still allow Equifax to do business in America. Thank you CFPB for being a voice for the consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX, I went into a Chase Branch at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX to open a Checking and Savings account. I had received a coupon on the Chase.com website after logging into my credit card account to receive a {$500.00} bonus for opening the Checking and Savings account. I was assisted by XXXX XXXX, a Chase banker, who helped me to open the accounts. The Chase banker reviewed my information and asked me extensive questions in regards to my personal and financial situation. The banker expressed no concerns with my information and my accounts were opened with no issues. On opening, I wrote two checks, {$25.00} for the checking and {$15000.00} for the savings which I funded with the recent sale of my home. Documentation on the closing of my mortgage with XXXX XXXX and the wire instructions with the escrow company can be provided upon request. 

On XXXX XXXX, the checks cleared and the funds were available in the accounts. 

On XXXX XXXX, I attempted to log into my Chase Mobile App and received a notice that my accounts were suspended and to call customer service. Upon doing so, I was informed that my checking and savings accounts were to be closed. I attempted to gain information and understanding of why my accounts were closed and did not receive an explanation. I also went to the branch where I opened the account and the Branch Manager was unable to retrieve that information as well.
No attempt was made to my knowledge by Chase to reach out to me prior to the closure of the accounts. No notice was given. 


I had recently opened accounts at two other financial institutions and did not have any issues with those banks. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I just got off the phone after being put on hold for over an hour with Nationstar Mortgage. My simple question is what is my current amount due with my next payment scheduled on XXXX/XXXX/XXXX. No one could tell me this information as they stated my escrow amounts have changed twice between XXXX XXXX and XXXX XXXX. Now I 'm in a situation where I do n't know what amounts are due for my next payment. This lack of clarity of their own process has created an extremely poor customer experience on my end and leaves me with zero confidence that the terms and calculations of my account are being clearly and simply communicated. It also brings into queston my assumption of several gaps in their processes as well.

Company response to consumer: Closed with explanation