milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I fill I was overcharged with fees, expenses and other charges on a loan modification agreement with my mortgage company ( American Servicing Company ). My mortgage ballooned from XXXX to XXXX dollars during the housing market crash in XXXX. 
I was in a bankruptcy situation with my house and was told to stop any payments on the mortgage during the bankruptcy. Well almost 3 years went by without any payments or contact with my mortgage company. They told me with the amount of other bankruptcies that they were overwhelmed and that they would get back with mine when they can. I was desperate to save my house so I waited for almost 3 years with no payments. I finally agreed on a loan modification so I had a home for me and my wife to life in. 
The problem is I fill is the amount of late fees and other expenses and almost 3 years of mortgage payments that were all of the sudden added to my mortgage. 
My mortgage went from {$250000.00} to {$330000.00}. {$72000.00} was added to my mortgage. 
principle {$250000.00} interest {$56000.00} escrow {$13000.00} late fees/nsf fees {$2600.00} recoverable expenses {$4300.00} {$72000.00} added to a mortgage from someone who is in bankruptcy already who is having trouble paying there mortgage to begin with, to telling them not to pay anything for almost 3 years then add all that interest, late fees, recovery expenses and escrow money seems like this should have been illegal. I thought 3 months was the amount of time for a bankruptcy, not 3 years. The loan modification should have been denied to me. I signed it at the time because I was desperate to save my house. Now the mortgage is getting to be to much for me.My question is there anyway I could find some relief from these charges or have some of these fees and charges reduced to lessen my mortgage. The total amount of money I borrowed to begin with was {$170000.00} to purchase my house 13 years ago, now I owe almost {$330000.00}. I am way underwater now on my mortgage. American Servicing Company which is owed by Wells Fargo was my mortgage company at the time. And I now know Wells Fargo has done criminal activity and am wanting to see if something illegal or something wrong done in my situation to add so many expenses to my morgage. 

My complaint is with American Servicing Company from XXXX loan modification agreement. American Servicing Company has since moved my mortgage to XXXX who is know handling my morgage.

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 04-03-2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Wells Fargo call me two to three times a day ( on number XXXX ) attempting to collect/negotiate a debt. This bank leaves a voice message for XXXX. The message is from XXXX with wells Fargo Card Services, asking XXXX to return her call. This harassment has been going on for over two months now. Some calls are late at night. I am NOT XXXX and my voice mail message clearly states my name, being 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 08/25/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I notified company of errors and my request have gone ignored to date have not received any investigation request. 

1. The information is incorrect for the following account XXXX XXXX XXXX XXXX XXXX, LA XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

8. The inquiry was not authorized XXXX BANK Account Number : Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from 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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: Equifax is reporting fraudulent inquiries from XXXX XXXX on my credit file and refusing to investigate them correctly to remove them from my report

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing at XXXX Account Number XXXX On XX/XX/XXXX, I signed papers to turn a house, XXXX XXXX XXXX, XXXX, Md, XXXX to this lender under their deed in lieu of foreclosure program. I signed the deed in front of a notary with an attorney reviewing the papers. They wanted the house available as of XX/XX/XXXX. The property manager, XXXX XXXX, XXXX had everything ready for them and no-one showed. They have since missed several appointments and treated the property manager very unprofessionally. 
But the house is sitting empty all this time and things are happening. The company gave me tax forms stating that the house was transferred in XX/XX/XXXX and I filed those forms with the state of Maryland and the Federal government with my tax return under the advice of a CPA. But the company still has not taken the keys from the property manager and expects me to keep up the vacant house. It has been over six years for this servicer to make up its mind about the house. Even filling out and signing the deed has not gotten rid of this house even though I had it broom clean on the day they asked me. 

Back when I was going through the loan modification process, they told you I did not file the papers, but that assertion was incorrect. They continued processing the modification after they told you I had not completed the process correctly and later turned down the loan modificiation. Now they wanted to take the house but expect me to keep it up after I signed the deed over to them and filed my tax return with their information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I called Citibank to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one onXX/XX/XXXX. I have verified this with XXXX.

I began calling Citibank and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called XXXX and was informed that only the company can resolve it.

After many more unsuccessful calls to Citibank, I was put in touch with XXXX XXXX in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX at Citibank indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( XXXX ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.

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 08/29/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Making/receiving payments, sending money

Complaint: Dear Sir or Madam : JP Morgan Chase NA does not let its customers transfer money on a recurring basis on or after a date of the month. The " transfer on '' date can only be the deliver on or before date. It can never be the " send on '' date. This means a consumer wanting to transfer their money to an external savings account risks overdraft because the " send on '' date is uncertain due to the random occurring weekends and holidays. Moreover, preventing customers from choosing the " send on '' date for transfers biases Chase Checking account holders towards having savings accounts with Chase to eliminate the overdraft issue due to randomly occurring " send on '' dates. 

I think this practice of not allowing customers to specify the dates of the month on or after their funds are sent may be an attempt by JP Morgan Chase NA to discourage external savings accounts and to boost overdraft fees. 

A consumer who selects a XXXX of the month transfer date on XX/XX/XXXX, for a recurring transfer will have the following next XXXX transfers. 

Send On Deliver ByXXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXXIf that consumer gets paid on the XXXX of the month, she will have XXXX overdrafts if she does not have funds prior to getting paid to make the transfer. A Chase checking customer will have to select the transfer on date of the XXXX of the month to guarantee that none of the next XXXX transfers is sent on before the first of the month. Moreover, there is no guarantee that she will not have a transfer sent prior to the XXXX of the month after the first XXXX transactions leading to an overdraft. I believe that this might be a predatory way to set up transfers to maximize overdraft fees and scare JP Morgan Chase NA checking customers from using external savings accounts which likely offer better interest rates than Chase. 

Sincerely , XXXX 
XXXX, LA XXXX : ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (UT).
Issue: Unauthorized transactions or other transaction problem

Complaint: We set up our account on coinbase at exactly XXXX/XXXX/XXXX we went through the steps to verify our account including giving detailed banking information, articles of incorporation, passport, and sealed official documents from the state of Utah to verify our identity. 

On XXXX/XXXX/XXXX we received an email stating that coinbase ca n't verify our identity with no further explanation or steps on how to resolve the issue. 

On XXXX/XXXX/XXXX without any response or warning our account was locked out with no explanation. We sent this company an email asking why this was done and have had no response. 

On XXXX/XXXX/XXXX We sent another email asking why support is n't answering any of our emails and received the same canned response of it will take a few days to receive a response. 

As of XXXX/XXXX/XXXX Coinbase is holding over {$4000.00} XXXX of our money in their account and refusing to give it to us. They have not unlocked the account and are still not responding to any forms of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was working with my prior servicer XXXX XXXX XXXX to remove the PMI on my home. I was told to get an appraisal on the property, by the time I received the appraisal I received notification that my loan had been transferred to a new servicer " SLS ''. I contacted SLS to advise them I just received the appraisal and would like to request the removal of the PMI. I was advised to submit a request with my signature along with a copy of the appraisal. After submitting the documents, I received a letter stating they would not be able to use that appraisal and that I would have to pay for an additional appraisal ( an additional {$400.00} ). Also, the letter stated there was an authorization form attached that I would have to sign and send back for them to begin the process of obtaining a new appraisal. To my surprise there was no authorization form so I called SLS and they said I would receive a new authorization form. Three weeks later I am still waiting. I contacted my prior servicer and was told since my appraisal is not 60 days old SLS should be able to use it. At this point I think this is a stall tactic on the part of SLS. Either use my appraisal or provide me with a form so I can request one from your company. Every time I call SLS I get a different explanation. I 'm so frustrated and feel this is deliberate so that the customer will continue to pay the PMI.

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 08/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX a company I had done prior business with fraudulently charged my card {$4000.00}. The company had a prior charge which I had signed for. the XX/XX/XXXX charge, was not authorized and the bank does not have a signature stating we authorized the charge. I reported the charge fraudulent on XX/XX/XXXX before it was paid to the merchant. An investigation was completed and we were informed the charge was fraudulent, the card was cancelled and new credit cards were issues. On XX/XX/XXXX the charge was put back on the new credit card account and the bank has been unable to tell us why it was being recharged. 

The bank is chase bank. And I have tried to resolve the issue with them. I have sent the bank another complaint but have been informed they will not discuss with me as it was filed in XXXX and they will not take a second report. The charge is still fraudulent and needs to be resolved so my credit is not affected. Per regulation e the bank is well past the time required to complete their investigation. 

The bank has not provided any proof that I have made the charge, because they do n't have any. 

Please help me resolve this issue with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Signed contract in XX/XX/XXXX with XXXX attorneys for Portfolio Recovery Associates for reduced debt owed which have been paid in full according to contract agreed upon ( see attached ). Wrote to the attorneys in XX/XX/XXXX stating not only had I paid off the agreed to amount but had actually had overpaid by {$1100.00}. Asked for refund of over payment and told them that I would no longer be making payments since I was n't contractually obligated to. Now, suddenly Portfolio is calling my job, home ( and who knows where else ) leaving no messages. They are now calling my daughter 's cell phone repeatedly ( everyday for the last two weeks from different phone numbers ). I am at my wits end with these people and its becoming a major disruption that I have to again deal with something that was should have been resolved. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with The J. G. Wentworth Company (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a mortgage loan with JG Wentworth in XXXX 2016. I made a payment in XXXX, with an additional amount not be credited to Principal. The loan was transferred to XXXX with the first payment ( XXXX ) showing as being paid, but missing the Principal payment. When contacted, they stated that it would take up to 60 days to transfer the additional principal. I do n't feel that 60 days is a reasonable amount of time, since they were able to correctly apply and transfer the payment that was made in the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (I do not know) with Bull City Financial Solutions, Inc (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - NO RESPONSE. This item is on my credit report and is negatively affecting my score. I have requested numerous times for verification, or any description to be given as to what this is. I have no idea what it is for or what is it from. To my recollection I have never received a bill or a statement. I feel that this in an incredible violation of my rights to be continually requesting information and to not receive it when my attempts to obtain better interest rates and better my credit worthiness go UNANSWERED! I find it incredibly suspicious that I have received an answer from other creditors sending the same letters. This is a waste of my time, energy and money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: As of XX/XX/2017 I have noticed an address on my Equifax credit report that I have never been associated with and would like proof my connection to this address or its immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2017 Nationwide Recovery Services placed an account for the amount of {$66.00} on my credit report in violation of the Fair Credit Reporting Act. Nationwide Recovery Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Nationwide Recovery Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: I refinanced my loan with Navy Federal Credit Union. I spoke with the Collections Department because my financial stress due so returning from XXXX and my husband deserting me and leaving me with all the bills. My payment was decreased from {$1000.00} to {$780.00}. I was told I could not make payments while the Consumer Loan was Refinanced. I was approved for the REFI Collections Loan, and I was told that I would not receive negative credit reporting. However, it was reported that I was past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX

Company response to consumer: Closed with non-monetary relief