milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Credit decision / Underwriting

Complaint: Was promised by Wells Fargo that I qualified for 10.1 % downpayment on jumbo loan. In fact, I received a pre-approval stating as much. I shopped around at other banks and those required a 15 % downpayment, so I chose Wells Fargo. About one week after the offer had been accepted, WF stated that the downpayment would need to be 20 %. Needless to say, on a sales price of {$900000.00}, this made a huge difference and because of the post-cash liquidity requirements we were forced to make withdrawals from our IRA in order to keep the deal. In the ultra competitive real estate market in XXXX, I could not stop the accelerated close process and switch to another bank. WF could never give me a good reason why I no longer qualified for the 10.1 % downpayment, but blamed it on the underwriters. I heard of the exact same situation happening to an acquaintance of mine in Indiana. I believe WF knew we had the retirement assets at our disposal and changed the downpayment after we selected them. I also believe this is a typical practice by WF and is typical of their shady practices when promising XXXX thing and delivering another.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Wells Fargo previously set my accounts for closure in XXXX 2017. Once previous before that, the reason i was given at that time was due to excessive claims. However i never had excessive claims. When i reported this to the consumer financial bureau before i was told that my case was being researched. However it was not being researched. They did n't assist me at all and blocked all incoming deposits. This is my first account, and by filing claims it has nothing to do with being a risk. However, since my accounts were kept open i have filed a total of 16 Claims. After retention. These claims of the 16 only 5 were actually valid, and not mistakes. These were either duplicate purchases, or Fraud charges when i lost my card back in XX/XX/XXXX. 

Not only does this information i am providing uncover more evidence. The rest of the claims were actually canceled as i submitted them by mistake but cancelled them right away and called the claims assistance center the same exact day to tell them i made a mistake. They assured me they were cancelled but told me they would remain on my account. 

Now several months later i call, and am told my accounts will be closed again. ONCE AGAIN DUE TO EXCESSIVE Claims. I spoke to 5 different reps. I advised them i do n't have excessive claims, and was not told of any stipulations i had on my accounts. Well the letter Wells Fargo emailed me about closure says i have been doing security risky behavior. I will attach these letters, i have not done any risky behavior at all. Wells Fargo is my main bank i use it to pay my bills, and rent. They are holding my Money now. I just redeveloped my relationship with them too by becoming a portfolio customer, opening my investment account ( Brokerage ) and following everything i was supposed to do. I have accessed my accounts properly, and have not misused my cards in anyway. 

Well the Rep is telling me now that, the same claims center sent another notification to have my accounts closed again DUE TO EXCESSIVE Claims. MONTHS later. I feel like this is unfair and harassment. They always do this when i actually need my money, and when they know i rely on my direct deposits going into the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (TN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I bought a truck with Toyota and the loan came from Toyota financials. I have always pay ahead to have the truck pay sooner but from the beginning if I enter any additional amount it will not go to the principal of the loan but only to the adding of the months so that place my acct a year ahead of payment but it was not reducing my principal. After talking to them they advice me the only way to get the totals reduce from the principal is to send money order or check with the acct # and stated principal only. Witch I did I have send four money orders with the info on them and specifically stated to place on the principal. But now I do n't see my balance going down but is the same and the posting on there is almost two weeks difference every time I talk to them there is always an excuse or that the percentage is correct. I have paid more then XXXX XXXX dollars and they are still keeping the interest no matter the total being lower and my payments are not being posted correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I didn't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was "These item are factual record of file access."  My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. XXXXXXXX XXXX XXXX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXTRANSUNIONXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/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 03/18/2016 about Debt collection (Non-federal student loan) with Paramount Capital Group, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: collecter violated fdcpa .... he has called a few times leaving very intrusive and derigatory voicemails on my phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: My name is XXXX XXXX. XXXX XXXX, XXXX I made a Cash Deposit ( CD ). There was no activity regarding the account. I never got notified about it. On XXXX XXXX, XXXX I went into Wells Fargo to claim my CD and obtain any information about it. Wells Fargo told me I had to wait ten days to hear from them. They called me and told me that the bank is still waiting. I called them and spoke with XXXX who told me to call the Wells Fargo claim department. So, I called and they told me to go to the branch where I deposited the money. When I arrived, they told me that they can not find any record anymore and the account was closed on XXXX XXXX. However, I never closed the account and was looking for my money. I was referred to the unclaimed properties of Wells Fargo. I called them and they told me they do not have it. I asked them how do I proceed. I was then directed to the State Controller. I called the number and they told me to ask for a letter of proof of deliverance from the bank. The bank gave me the letter and I faxed/emailed it on Friday, XXXX XXXX. Today is Tuesday, XXXX XXXX. I received an email from the state controller saying that they never had it. I printed it out and took it to the bank. I talked to an executive banker who told me that he could not find the account and could only find my social security number. They told me there was nothing they could do. 

I am a XXXX year old woman. I placed my money into the bank hoping to make some money over the years through the interest. I never received any notices from anyone about my cash deposit. I 've lived in the same place. The have my address. I do n't know where my money went, but I hope and pray that this can be solved. Ive been given the run around. I 've contacted many different departments in the hope that my issue will be resolved.

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 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Hello Ive recently was notified the my opportunity for employment has been denied because of my equifax credit report. Two fraudulent collections accts from hunter warfield was re inserted on my credit filed after being proven fraud and deleted TWICE and from all other bureaus. These acts was reinserted on XX/XX/XXXX. Equifax has maliciously allowed whomever to continue to harm my well being. I consider my self a pretty savvy consumer and i did the research " '' IT 'S AGAINST THE FCRA TO REINSERTED ANY PRIOR DELETED ITEM WITHOUT NOTIFYING TO CONSUMER 5 DAYS IN ADVANCE '' Ever since the Equifax breach I 've heard things like that was happening via the internet but never in a million years i thought it would happen to me especially after i went through XXXX proving it was n't mine debt. Up until XXXX XXXX, 2015 I stayed with my now divorce wife in our house so how the XXXX i have apartments in my name. I 'M TIRED OF THESE ISSUES I CALLED EQUIFAX AND THEN THEY ALL OF SUDDEN THEY COULD N'T VERIFY WHO I WAS YET THEY JUST REMOVED INQUIRIES AND PERSONAL INFO. SO THEIR CONTRADICTION IS SO SO CLEAR AND DELIBERATE ... THEY KEEP ALLOWING THEM ALSO TO ADD THE FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX link to the bs accts

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I signed up for a new Citigold checking account based upon an offer that was presented to me online on Citibank 's website. The offer stated if I met the conditions I 'd be awarded with XXXX ThankYou Points. I confirmed through Citibank 's secure messaging system that the promotion was applied to my account and I 'd subsequently met all conditions ; additionally was notified I 'd be receiving the bonus within 90 days of meeting the requirements. Today, I was notified by Citi that they were incorrect and my account was never eligible in the first place. I 've been charged account fees of {$60.00} over the past 2 months whilst waiting for the offer to come through. Citi stands by their remarks and refuses to honor the bonus.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have reached out and disputed with XXXX, XXXX, and experian about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, REGIONAL XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. 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 non-monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a call from XXXX, a electrical company in XXXX stating that I have a balance on an account and owe money or my power would be turned off in XXXX immediately. This concerned me because I 've lived in XXXX for the past 2 years. I called XXXX and they had given me an address of account that had been opened that I did n't not recognize and have not lived in XXXX for 2 years. They then told me that this is a case of identity theft as someone else, not me, opened an account with all of my information, but was not me. They did not pay their bill, which is why they contacted me and is now in the collections hands. I have sent in the proper fraudulent dispute papers into XXXX and I need help getting this taken care of within my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor XXXX XXXX XXXX XXXX'. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.

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 02/18/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Settlement process and costs

Complaint: I contacted Caliber Home Loans last week & asked them to send me a copy of my original mortgage note. Upon my 1st call on XXXX/XXXX/16, I was told that it would take a month to be received. I spoke to my legal council, was told that I was provided false information, & encouraged to call them to escalate the concern. By XXXX/XXXX/16, I had a manager on the phone who tried telling me the same month time frame, but I shared with her the statues & laws they were breaking by not providing me a copy of my mortgage note upon my immediate request. Notes were then made on my account that I would finally receive my mortgage note by tonight ( XXXX/XXXX/16 ). Needless to say, I still did n't receive my info & as such, I escalated my concern with Caliber to XXXX, badge number XXXX, & was told that " no one '' knew why I did n't have my mortgage note by now. He then told me that I could have it faxed to me & in reply I said that the manager from last week told me that Caliber COULD N'T send me a fax -- another company contradiction. XXXX could n't provide an explanation for this & he has yet to send me a fax copy of my mortgage note. 

Caliber Home Loans ' inability to provide me a mortgage note in a timely manner, per their advisements, is negatively impacting my ability to do a refinance on my home. And if I am not able to complete my refinance as scheduled, I intent on holding Caliber responsible, legally & monetarily, to the fullest extent that local, state, & federal laws will allow.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: At   XXXX   XXXX   - I spoke with   XXXX   XXXX   who is telling me that I must submit a Postponement tomorrow morning with a gift letter and bank statement. Even though I am willing to pay off their alleged loan, I was told regardless of my efforts to pay off tomorrow that they may go forward with the sale which is a bunch of bull.
I have confirmed in the first place the   XXXX   XXXX   XXXX   credits were accessed through my assigned US Treasury Direct Acct. For these people to tell me that it may be too late for a postponement as they place to illegally seize my home tomorrow. I do not owe these people.
  XXXX   asked me to provide my personal bank statements and this can not happen. I was a victim of Identity Theft -   XXXX    Employee in  XXXX . I am willing to payoff the amount issuing my acct. # and routing # and   XXXX   is refusing.
2nd Item - I want to report Bankruptcy antics in courtroom 5D -   XXXX   XXXX   - It appears   XXXX   XXXX   attorney went to   XXXX   XXXX   's courtroom on  XX/XX/XXXX  to get a Lift of Stay against the Registered Entity - regardless of fact # 1 I revoked any and all power of attorney as the Live - woman back on the land. Note : this BK case has been closed for over 3 yrs - all debt for the Registered Entity discharged as UNSEURED DEBT. I realized that going to the BK court was a error. The   XXXX   XXXX   loan was paid off as shown by MASTER FILE. I was never served any notice of this  XX/XX/XXXX  hearing and Wells Fargo had my address - So I had no way to put on record illegal seizure of home or fact it is not a loan but copy right business processes. The Will Be Debt Opinion letter is FRAUD - as there is no loan. Please refer to the   XXXX   XXXX   XXXX   XXXX   - very important to see the complicated undisclosed real transaction of sneaky licensing agreement of our identity.   XXXX   XXXX   assists with these crimes TAX SHELTERS in my name -- -- hoping that I will not catch on to there scheme. These behaviors need to stop - the people harmed have lives too and we were not placed on this earth to serve for the legal profession pleasure and benefit as reflected in the  XXXX ,  XXXX ,   XXXX   XXXX  .
These people seem to forget that it was I who authorized the initial credits and I can at any time terminate their fake POA status with their fake loan #. I am in process of getting the lien released at Federal Level.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a released state tax lien from the state of Georgia on my credit reports at Transunion,  XXXX , and  XXXX . The lien was filed on  XX/XX/XXXX  and was " paid satisfied and ordered canceled from record '' on  XX/XX/XXXX  ( see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  XXXX  redit Reporting Bureaus, who stated that they need documentation from the GA Dept of Revenue requesting that the released lien be removed from my report - they r eport that the information is accurate and it is listed on my credit report as 'released. ' One credit bureau stated that the disputed information was updated, but my credit report remained the same.  XXXX  will only allow you to dispute fraudulent information. I contacted the  GA Dept of Revenue who  advised me that they will not write letters and do not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the state of GA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Settlement process and costs

Complaint: To whom it may concern I XXXX received a short settlement from Wells Fargo bank the amount XXXX dollars.They gave me 45 days to pay it. I paid the amount and over the amount. With in the 45 days. I paid XXXX dollars over the amount I ask for my refund amount back and Wells Fargo refuse to pay me my refund back I tried many times to get my refund back but they refused. Please help me get my money back from Wells Fargo and XXXX. Acct # XXXX case # XXXX My phone XXXX MY email XXXX MY address XXXX FL XXXX.I also put in a complaint in with XXXX # XXXX Wells Fargo and XXXX also refused to answer XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation