milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my own homeowners insurance in XXXX of 2014. On XXXX of 2014, Greentree placed lender placed insurance plus unneeded flood insurance in the amounts of {$1500.00} and {$1900.00} on my property creating an escrow shortage. They have acknowledged that I had insurance ( 1 year later XXXX but are still insisting that I owe escrow resulting in my on-time mortgage payments being credited toward escrow shortages and then being considered late. I have made all of my payments on time yet they asked for an additional {$1300.00} in XXXX. They have threatened to foreclose and bounce me from representative to representative with never a resolution. There is no physical address to get a signature from so they do not acknoledge receipt. I am honestly ready to let them foreclose in the hopes I can get a resolution with a judge present.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I submitted a request for a release of my co-signer about a month ago. It was never communicated to me that this was even an option I should add. I 've never missed a payment on this loan, and I 've been paying on it since 2009. I 've heard nothing back from Navient about this status of this. I would like to know if they will be releasing my co-signer or not.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Other debt) with ERC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter addressed to just " XXXX '' XXXX from a collection agency, ERC, representing XXXX XXXX/XXXX XXXX XXXX/XXXX. I do not recognize any of this account information listed on the letter. 

The letter stated a debt was owed in the amount of {$700.00}, and stated it would accept a settlement of {$420.00}. 

Prior to receiving this letter, this debt appeared on my credit report and my credit scores dropped by more than 100 points. When I disputed it with XXXX and XXXX, it was removed within 24 hours. More than a month later I received the letter and discovered it was reported to XXXX as well. I disputed it there and it was removed promptly as well. 

This letter was sent via regular US Mail and there is language in the letter stating that if I do not act within 30 days of receipt, I will be liable for the debt. 

I am certain this letter is fraudulent. Will I be liable if I do not act on this? Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with MARINER FINANCE, LLC (MD).
Issue: Problem when making payments

Complaint: An account was opened fraudulently in my name with this company. I called twice before getting to speak with XXXX from the XXXX XXXX XXXX and explained to her that I was not the person that took out the loan. I then went to the office and asked for a copy of any documentation that was used and that I would sign an document stating that I swear to not opening the loan. She then told me that they could not find the check or any documentation and the loan would be absolved. I think continued to request a copy of the paperwork and after more than 30 days, I have not received any documentation and the account has been added to my credit report. I have disputed the account and send formal written letters to the company headquarters and still no paperwork has been sent and they verified the account with XXXX XXXX stating that the account was valid. I have not been able to reach anyone to get any information and XXXX XXXX will not dispute the account again until after a wait period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX/XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX hard inquiry XX/XX/XXXX -, XXXX   XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XXXX ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Experian XXXX, auto hard inquiry XX/XX/XXXX - XXXX ; XX/XX/XXXX, XX/XX/XXXX - Experian All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/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 04/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX transferred the servicing of my mortgage loan to Selene Finance, effective XXXX XXXX, 2015. I immediately started receiving statements where they had added in all types of extra fees and charges. I tried calling Selene Finance to discuss my mortgage and have had a difficult time reaching anyone. When I finally did reach someone, I was told that they could not discuss anything with me because XXXX had not sent them all my paperwork. This is outrageous. Selene Finance has possibly the worst customer service of any company I have ever deal with. The phone is always busy when you call, many times you 're placed on hold and the call gets disconnected. I have read horror stories on the internet of other homeowner 's experiences dealing with Selene Finance. I 'm shocked that this company is allowed to do business. In addition to this complaint, I 'm also filing XXXX with the XXXX Attorney General, the XXXX Department of Banking and the XXXX Department of Banking.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Application, originator, mortgage broker

Complaint: I have a new issue with Wells Fargo Home Mortgage. In XXXX I had this loan discharged in bankruptcy. Because I am XXXX XXXX XXXX and protected by SCRA they could not come and foreclose on the home included in the bankruptcy. I am currently trying to get financed for a new home loan and when the underwriter pulled a Fraud Risk Score it showed XXXX separated dates in which Wells Fargo filed a Notice Of Default XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never received any NOD in the mail and I question the authenticity and legality of it. In XXXX we sold the home that was financed by Wells Fargo no one informed us that we could attempt to sell it after bankruptcy. When we filed bankruptcy we owed Wells XXXX the home sold for XXXX and we still had to close as a short sale because of all of the ridiculous fees Wells charged. It 's time that someone looked into this situation we have filed numerous disputes without action. How much destruction is XXXX company allowed to cause before action is taken. I will now not be allowed to get financed for a new home because of the Notices of default placed on my record ; this puts my family and future in even further distress. I called and asked Wells Fargo for letters stating that " the NOD was filed in error but we are continually put off. I am attaching the Fraud report and my bankruptcy paperwork as evidence. Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX Bank of America has refused to return the residual balance in a bank account of {$3.00}. After contacting the customer service organization they communicated that they would charge me {$50.00} for the return of my {$3.00}. Or they could just take my {$3.00}. Every financial company should be required to provide at least XXXX option for returning a customers own money without a fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (WI).
Issue: Loan payment wasn't credited to your account

Complaint: I closed on a cash out refinanceXX/XX/XXXX. Checks were made by the title company. Checks were issued only to creditors. Check for XXXX XXXX was XXXX XXXX My payoff was XXXX $ to XXXX. I sent the check priority mail with tracking # XXXX and was delivered to XXXX at XXXX XX/XX/XXXXInstead of paying my loan balance off and returning the overpayment, as several other creditors have done, they took a XXXX $ payment out of my account XX/XX/XXXX. After an hour on the phone with XXXX and several times being placed on hold, I was told " it takes time to process it ''. " we can't accept an overpayment '' " we can't say that we have received it '' and on and on with going around and around in circles. I never got a straight answer.

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 06-05-2017 about Mortgage (Conventional home mortgage) with NEW YORK COMMUNITY BANK (CA).
Issue: Trouble during payment process

Complaint: This regards flood insurance : All dates 2017 :  XX/XX/XXXX  Lender informed me flood insurance is required  XX/XX/XXXX  I initiated confirming with my insurance company about flood insurance  XX/XX/XXXX  After providing some information on the property, my insurance company determined the house is not in the flood zone and that insurance is not required.
 XX/XX/XXXX  Insurance company called lender informing then flood insurance in not required  XX/XX/XXXX  Supporting documents sent to Lender that insurance is not required  XX/XX/XXXX  Phone call to Lender to confirm they acknowledge previous information that insurance not required. I was informed they received info and were " looking into it '' XX/XX/XXXX No action taken by Lender, I purchased Flood insurance anyway from my insurance company for {$490.00} to avoid Lender starting their Lender Insurance at a cost of {$2400.00}. Send proof of insurance to Lender by fax and email.
 XX/XX/XXXX  Received call from Lender stating flood insurance is not required.
 XX/XX/XXXX  Received letter from Lender stating they were providing insurance for a cost of {$2400.00} and would be at my expense.
 XX/XX/XXXX  Send communication to lender demanding they acknowledge in writing that insurance is not required and cancel any insurance they have gotten for my loan See also attachments

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (WI).
Issue: Problems caused by my funds being low

Complaint: I was charged {$74.00} in fees in which were not warranted. The fees state overdraft however my account was never overdrafted. My balance on XXXX was {$45.00}, on XXXX a deposit was made putting my balance at {$520.00}. Then I was charged XXXX for over drafting with a positive balance. This is n't the first time TCF Bank has tried to take money from my account for overdraft which never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Capital one requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The personal identities of my wife and I, which we had entered on our rental application to the XXXX at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, including our names, birth dates and social security numbers and other confidential personal information, have been fraudulently misused by the XXXX. For example, the XXXX secretly took money from my wife 's XXXX bank account. This unauthorized charge was accidently discovered when reviewing another transaction. After conducting a full investigation, the XXXX bank fraud investigators concluded that this was financial fraud, unauthorized charge, theft, etc. and reinstated the full amount that the XXXX had unlawfully taken out of my wife 's bank account. Undeterred, the XXXX has proceeded to report the same fraud amount as late, unpaid charges to the credit agencies against my identity using my personal identity and credit information. Worse, the XXXX collection agency '' FCO, had the gall to call and ask us to send them a " small nominal fee '' in order to make our banking and credit nightmares that they are unlawfully creating against us to disappear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hello my name is XXXX XXXX. my investigation is not yet complete, from XXXX, Equifax, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I use an application called XXXX that allows me to gain access to funds for hours that I have already worked immediately. They have lighting pay and are prompt in removing and immediately adding funds to my account. The application is able to remove the funds that I owe it on my pay day. In order for me to gain access to the funds again my bank has to send updated info to the application. This could take several days. The application helps me keep my accounts balanced and positive while I recover from a debt situation. It provides auto overdraft protection which is critical and one the reasons I LOVE the application. However, if you are counting on the application for an emergency it becomes unreliable because there is always a hold in reporting from the bank. my household income has greatly increased overall and I am about to start looking around for more savvy options with quicker responses times. The bank is costing me the money I am trying to save by working against 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 01-11-2017 about Bank account or service (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Deposits and withdrawals

Complaint: XX/XX/2016 I closed my First Tennessee checking account as no matter what amount I had in the account they found a reason to still charge me for the checking account. Then XX/XX/2016 a direct deposit was sent to this account. Instead of rejecting it, they put it in my closed checking account and then, started charging the closed account, my home equity yearly fee, checking account fees plus a bundling charge. I did not know this until 2 days ago they sent me a email regarding my home equity acct. otherwise I would not have know this had happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I believe that I have been unfairly reported as having 30 days past due payment. Ditech failed to apply my payment to my account because my escrow amount was increased by {$34.00} and my payment did n't reflect the new amount. They did not make an attempt to contact me to correct the matter until the end of the month. I have never made a late payment and they would not work with me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: During XX/XX/XXXX-XX/XX/XXXX, my Chase Debit Card ( both Checking and Saving accounts ) were charged for several unauthorized transactions to various accounts and was total around {$35000.00}. After contacted the bank, the bank has closed the account and put into investigation. The amount was reversed to my card now, but I would like to further investigate what happened to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had 4 accounts from Capital One secured cards trying to be opened on my account. I lost my social around 3 years and I think this might have something to do with it. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These remarks arent letting me get a credit card and Im expecting in less than 6months. Help please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NC).
Issue: Making/receiving payments, sending money

Complaint: In the last few days ( XX/XX/XXXX through XX/XX/XXXX ) we have gotten 5 calls from a number identified on the caller id as citibank:XXXX. The caller asks to speak to my father, an elserly gentleman. When pressed as to what the call regards we are told he owes {$500.00}, or the caller hangs up. He owes no such amount nor does he have an account with citibank. I am reporting this because the calls are a nuisance and harassing. We wish to report this phone number as a scam. 
Thank you.

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