milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage to Wells Fargo on XX/XX/2016. As of today, XX/XX/2016, I have not received my escrow disbursement in the amount of {$3000.00} plus. We 're in our 3rd week now, and still waiting for our money. 
I have spoken to Wells Fargo twice, but only get the runaround : It 's been disbursed. It 's being reviewed. It was mailed on XXXX ... .around and around. Based on the fact that their CEO XXXX XXXX is in XXXX after being fined XXXX dollars, I feel compelled to complain about what appears to be a culture of corruption. And thank you Senator XXXX XXXX for this site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Medical) with Radius Global Solutions LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was owing XXXX {$1800.00} and the account was sent to Central Credit service for collection. I called Central Credit services and they told me to do a pay off .We agreed on a payoff of $ XXXX.I paid {$1200.00} and i expected the collection to be taken from my credit.I checked my credit and i discovered that Central Credit Services put it in my credit that i still owe $ XXXX.I called their office and i learnt that the debt is for someone else.I dont understand why i should have an account belonging to another individual, in my credit because we share the same surname. I tried every effort to get this resolved but Central Credit Services is not making any effort to help me out.Central Credit service put another individual in my credit because we share the same last name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Equifax 's online system failed to temporarily lift my credit freeze, for both myself and my wife 's accounts using the valid XXXX digit pins we were previously issued. XXXX and XXXX both worked fine the first time. Additionally, Equifax has no alternative options on the weekend to lift the freeze and maintains limited phone support hours during the week. The last time I had to temporarily lift a credit freeze they also mis-managed the situation and made it difficult. 

Equifax is a poorly run credit bureau and I hope that they will cease conducting business and be replaced with a reasonably well managed and deserving alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Social security admidastration/ I have called there XXXX number 3 times, emailed them once, called my local office, Social security has reported to Equifax and XXXX a collection of {$4700.00} They tok my tax refund of {$1500.00} which after calling them they reported it to the credit berues, but they are garnishing my wages and are not reporting this to the credit berues at this point I only owe them {$1200.00}, as I said they are not reporting this and are damagimg my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On  XXXX   XXXX  I applied via phone for the Merrill Lynch Visa signature Card from Bank of America. I was told that I would receive a decision wi thin 7-10 days  by the phone representative and that I could check the status online.     Withi n two da ys the status online changed from pending to the following : " Congratulations, your credit card application has been approved! You will receive your credit card  within 7-10 days and the Welcome Package within 10 to 14  days at the address you provided. '' I also received a later within 5 days stating the same thing including a comment about having a {$5000.00} credit limit.     On  XXXX   XXXX  I received a letter stating the following : " We initially communicated to you that we approved your application ... After further review ... we 've determined that we 're unable to approve your request because you have a sufficient number of accounts with us '' I checked the website - which still indicates that I 've been approved. I called in to review the situation. I voiced my displeasure of being misled by Bank of America. I have had a checking account with the bank for over a year used appropriately. I have  XXXX  credit card accounts open with a total credit limit of {$13000.00}. I offered to move credit limit from my existing accounts or close an account period. The bank seems unwilling to do anything even though my resolution would address the specific denial reason/risk they identified.

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 08/18/2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I leased this vehicle from Mazda Capital Services- Chase The lease ended on XX/XX/XXXX The car was returned on XX/XX/XXXX, directly to the dealership as instructed by the leasing company. The vehicle was pre-inspected, and I received the estimated wear and tear charges. As of today, the online account shows a late payment and a late payment fee for a lease that already ended and money that I do n't owe. I already called seven times, and they keep apologizing about it and refuse to email me a confirmation. In the meantime, my credit score dropped 15 points due to the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: After ten years having this mortgage on my XXXX condo I have been unable to satisfy OCWEN that I have sufficient insurance through the condo association. No matter what contact person or insurance documents me or the condo association and their insurance agent provide they are never satisfied and have now purchased an additional flood insurance policy on my condo for the sum of {$830.00}. I believe this is ridiculous and an attempt by the mortgage company to create an additional income source.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I contacted Experian directly and they claimed that they were unable to verify my identity based on what I provided. I only provided my date of birth, address, and social security number which are all accurate and correct. They directed me to use the government website and I was unable to request my report that way either because experian would not release it.

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 09/21/2016 about Credit card () with BANK OF THE WEST (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been a longtime customer at bank of the West. I recently received a letter regarding a new {$10000.00} credit card I had been approved for, which was followed by the actual card. I had never applied for a credit card so I contacted the bank. I explained to them I had never applied for a credit card and wanted this closed and an explanation on how this could have occurred. I was told that there was an application and I requested a copy be provided for my review. The call agent closed the account ( which I verified the next day ) and said a copy of the application would be sent to me. 

After a week passed and several confusing calls from the bank, I did contact an employee today who explained that the application was received over the phone and that I would not be receiving a copy of it. I stated that I still wanted an explanation of how this could have happened. After a few minutes the agent asked if I had ever spoken to XXXX at the XXXX XXXX, which I stated no I had not. The agent explained they would have to contact a supervisor and get back to me. 

With the situation at XXXX XXXX and the risk of identity theft, I am concerned that either I am victim of identity theft or Bank of the West has the same issue as 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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an Auto loan with Santander Consumer USA. The loan matured in XX/XX/XXXX. I paid loan off in XX/XX/XXXX. Between XX/XX/XXXX thru XX/XX/XXXXthey reported me 60 days late. Remind you I paid in XX/XX/XXXX. I was paying on the late fees which was around {$3000.00}. The actual LOAN of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XX/XX/XXXX and they had advised me that once the actual loan is paid and alI I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was {$550.00} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XX/XX/XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL 3 credit reporting agencies like they agreed to do. They are reporting inacurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My experian credit report lists two potentially negative issues. 

( 1 ) A debt to XXXX XXXX company that XXXX submitted to XXXX XXXX XXXX XXXX XXXX. I initially did not pay XXXX because they were billing me {$680.00} instead of {$380.00}. I contacted XXXX about this discrepency and they indicated that they would get back to me ; they never did. Instead, they gave my bill to the XXXX XXXX XXXX XXXX XXXX. I was still not able to resolve the discrepency in the amount owed, and only after submitting a complaint to the CFPB was the balance due adjusted to {$380.00}, at which point I paid the bill in full. However, by the time I was able to get the amount due adjusted, several months elapsed. I was never notified that an investigation was underway by experian or of the negative results of their investigation. 

( 2 ) Experian lists on my credit file an issue with XXXX XXXX XXXX that is potentially negative. The account was always paid on time, never late, and was voluntarily closed by me. This should not be listed as negative.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: I have tried to have this Tax Lien removed from credit file. Equifax reports verified by XXXX. I have the report from XXXX and it is not on there report. Also after X/X/2017 tax liens should be removed from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was alerted today by my credit monitoring service, XXXX that Ocwen reported my XXXX 2015 payment as XXXX days past due. The payment was made on XXXX/XXXX/2015 within my XXXX day grace period therefore it was not late. The payment was made via Ocwen 's automated phone service. The payment confirmation number is XXXX, amount {$8900.00}. I called Ocwen this morning and spoke with a XXXX, agent ID number XXXX. I explained my situation and she confirmed that the payment was made on time and she did n't know why Ocwen reported it XXXX days delinquent. I told her I wanted it correct immediately. She replied that it would take XXXX days to get the issue sent to their research department. I told her this was not sufficient as I am in the process of applying for a loan. I asked for a case person who I can follow up with as well as a case number and she said there was n't either. As you know, Ocwen has been the subject of over XXXX of regulatory fines and nearly lost their mortgage license in my state of California for these as well as other illegal practices. This erroneous report made my FICO score decline by XXXX points.

Company response to consumer: Closed
Consumer complaint received 02-04-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Since XXXX, after I returned from working over 3 years in XXXX, I have been trying to resolve an issue of Asset Acceptance Corporation, LLC to stop reporting a fraudulent account on my personal credit report. I tried yet again in XXXX of XXXX to which a dispute was filed at the credit bureau 's and the company is still refusing to stop reporting this fraudulent account by simply stated that they verify that they account is mine when the originator of the account which is XXXX has clearly stated that this account that they are referring to does not exist and that I do not owe them any money relative to they account that they are claiming that I owe. 

I have tried contacting the company previously and presently tried to contact them again using their number listed on my credit report but the number does not work. XXXX stated that they have no such account for me on file and that I have no outstanding balances and they just issued me a new credit card just last month. How can I have XXXX credit cards open for the same company especially when I settled on XXXX before? You can only have XXXX personal credit card open with the same company respectfully. Asset Acceptance Corp, LLC is intentionally hurting my credit score and they need to stop it immediately or I will try to sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (CO).
Issue: Loan modification,collection,foreclosure

Complaint: According to Colorado Revised Statute XXXX ( XXXX ), in the case of a foreclosure sale by the Public Trustee, a sale date can be no less than XXXX calendar days nor more than XXXX calendar days after the date of recording of the notice of election and demand, which is this case was recorded on XX/XX/XXXX. 

Also, according to Colorado Revised Statute XXXX ( XXXX ) Dual Tracking Prohibited Defendant received confirmation from servicer, M & T Bank XXXX during the first week of XX/XX/XXXX ( letter dated XX/XX/XXXX ) that a loss mitigation application had been received and that it was complete. In addition, during the same time period, M & T Bank stated in multiple phone conversations that foreclosure proceedings were suspended pending the " process of being reviewed to determine if you ( I ) qualify for assistance ''. The Public Trustee was NOT notified of such status so the foreclosure process was continuing in the " eyes '' of the Public Trustee, therefore Dual Tracking. 

Some time during the second week of XX/XX/XXXX the defendant was notified by M & T Bank that the application as submitted by defendant was not accepted, and that a new application could be submitted, which is currently in progress. The XX/XX/XXXX notification set in motion the foreclosure proceeding that was recorded on XX/XX/XXXX, setting at sale date of XX/XX/XXXX, which is only 57 days from the recording date of 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 05/29/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I think my claim falls under XXXX bullets : Report improperly shared by credit reporting agency and report provided to company without my authorization. XXXX XXXX pulled my credit report XXXX on XX/XX/XXXX and XX/XX/XXXX without my permission. When I made purchases from them I selected the ValuePay option. This option is highly promoted on the TV channel as a way to pay off the item interest free in XXXX monthly payments as long as you provide your credit card. I DID NOT select an option to apply for credit. I also DID NOT provide my social security number and DID NOT provide them with permission in any way for them to pull my credit. I was notificed there were XXXX hard inquiries on my credit report when I checked my credit report earlier this week. I have made purchases from this Company before and this has never been an issue. If I would have known they checked my credit I would have never selected the Value Pay option.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (PA).
Issue: Trouble during payment process

Complaint: I am writing due to the continual harassing actions forged against me that have only become worse after my last attempt for assistance from CFPB in this gross and premeditated matter against me.   I have always paid on or before the  XXXX  of the month as my payment history shows and am writing you on  XXXX / XXXX /  XXXX  . I always pay over the requested {$930.00}, paying {$1000.00}. each month. With that said, and because I have already written CFPB of the unwarranted harassment directed toward me, I have now received a Notice of Default letter.   First, I am not 30 days late for  XXXX  's payment. In the Notice of  Default letter, Ditech  has added the month of  XXXX  's payment.  Second, Ditech  sent the letter which includes that I have several   hundred " over paid '' dollars on my account that are listed as " unapplied funds ''.
So I have an over payment that is sitting in " unapplied funds '' of several hundred   dollars AND a Default notice for a payment that is not 30 days late ... PLUS the next month 's payment that is not due til the  XXXX  of  XXXX , next month? To add insult to injury I consistently receive monthly bills that are " ballooned '' to reflect 2 and 3 months at a time therefore the monthly statements do not equal the harassing letters sent.   Finally, I know when I pay this amount off, I feel I have no choice, .... next month, the same harassment, the same demanding letters, the same threats to pay unwarranted monies will continue ...  XXXX  as they threaten to attempt to take my home.   All this and I have consistently paid Ditech not just the monthly {$930.00} but {$1000.00}. each month ... .consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: It appears I do not exist in the TransUnion credit reporting system, I do not have a TransUnion score, I do not have a TransUnion report, and I can not access any information from TransUnion via annualcreditreport.com, nor can I access any information from TransUnion itself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: I 've had two different instances where Capital One did n't process my payments within 30 days even though it was received within that time and STILL decided to report it to the credit agencies as a 30 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NY).
Issue: Problems when you are unable to pay

Complaint: In XXXX XXXX I began receving installments invoices from Wells Fargo Dealer Services with varied payments amounts sometimes twice per month, not consistent with my normal monthly payment of {$310.00}. I did not panic but continued to make payments as stated on the monthly invoice as listed below : XXXX {$150.00}, XXXX {$130.00}, XXXX {$270.00}, XXXX {$100.00}, XXXX {$270.00}, XXXX {$230.00} and XXXX {$180.00} ( my last payment ). To my surprise, in late XXXX I received a letter from WDS stating that my account was charged off and is in collections. Now mind you, I never got a call to inform me ( like most reasonaly business would do ) of this issue over the course of XXXX. So, I called WDS and was told I must pay them {$3000.00} plus dollars to bring my account current. They said they are not culpable for any mistakes made, invoice are mailed as a courtesy and I should have continued to pay my installment of {$310.00}, not what the invoice stated. They concluded that I am 358 days past due despite my payment history listed above and I pretty much brought this on myself, therefore they are not culpable. What casued the problem? In XXXX the began posting another customer payments to my account and still continue to do so. I received an invoice in XXXX, XXXX stating that my balance is {$440.00} and a payment of {$180.00} is due, which I paid.

Company response to consumer: Closed with explanation