milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We applied for a mortgage through Wells Fargo. We were locked into a rate of 3.25 % for the property. Our offer was not accepted initially. A week later, we resubmitted the offer and when we went back to submit our loan application paper work, we were told the rate on the same property was now 3.5 % because rates had gone up. Had this policy been consistent with a previous loan application, it would not have caused us to submit this complaint, however previously we were told rates were locked to a property for 60 days. On a mortgage application with Wells about 3 months prior, we have documentation where a Wells employee told us that if we apply for a loan for the same property within 60 days, Wells has to lock you into the original rate. In this case, the IR had gone down between our initial application and when the loan documents were being submitted.
It can not be fair and honest that Wells Fargo refuses to lower mortgage rates when the IR falls, but insists on raising mortgage rate for an existing application when the IR increases.

As the mortgage business is already under scrutiny for the fees charged to lock rates, I wanted to check if this was a systemic issue and if Wells can be forced to honor their initial bait and switch 3.25 % I have all the documentation, including conflicting rules sent to me by 2 different members of the mortgage and customer service reps.

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 02/20/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LVNV funding continues to try to collect a debt that 's not mine. I do not know where the account has come from. The debt on this account is for XXXX for XXXX. This debt has been previously removed before.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with U.S. BANCORP (MI).
Issue: Closing/Cancelling account

Complaint: I was informed of a U.S. Bank fraudulent charge account ( ALLEGEDLY ) initiated by my wife, after XXXX on XXXX XXXX, XXXX. 

I closed a U.S. Bank charge card account back on XXXX/XXXX/XXXX due to the incredibly poor handling of a fraud issue. U.S. Bank was informed in writing, " DO NOT EVER SEND ANOTHER CARD TO THIS ADDRESS. '' Apparently they did and my deceased wife has been using it on her own. 

U. S. Bank was immediately informed of this discovery by " ME '' shortly after her death. 

U.S. Bank in turn dumped the entire debt onto the credit bureau accounts under my name. I have never seen this application or a charge card. I have told them, " YOU FRAUDULENTLY PUT THIS XXXX ON MY CREDIT REORT, YOU GET IT OFF. 

I have been in too many discussions to count with U.S. Bank fraud department employees all to no avail. 

U.S. Bank was informed of the discovery of a forgery kit utilized by my deceased wife. U.S. bank has been informed of everything all to no avail. 

U.S. Bank continues to send statements every month even though they are fully aware this is an issue " UNDER CLEAR DISPUTE. '' As a result of their ineptness, I have turned this issue over to my attorney, XXXX XXXX XXXX attorney and counselor at Law. XXXX XXXX XXXX XXXX. He has sent them a document with my signature authorizing him to act on my behalf all to no avail. He has sent them letters and tried to call them all to no avail. 

In closing, I have never seen or used a charge card from U.S. Bank after XXXX/XXXX/XXXX. I want the information that was fraudulently applied to my credit report by U.S. Bank removed.

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 09-09-2015 about Debt collection (I do not know) with Hollis Cobb Associates (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they continue to call and harass me about a debt that is not mine. I have repeatedly informed them that they have the wrong person but they will not stop calling me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a My rtgage with XXXX XXXX that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I subscribe to Transunion for daily score updates and credit protection. On XX/XX/XXXX, I checked my credit score with TransUnion and it was XXXX. That evening, I received an email saying there was a change on my credit report and that I should log into my account to see why. On XX/XX/XXXX I logged into my account and noticed that my credit score went down 35 points to XXXX. There was no change in my credit report from XX/XX/XXXX, though, as the email stated. I called Transunion customer service several times and no one could explain why. I was put in touch with a supervisor and she could not explain the change either. In broken English, she said it was " due to the factors ''. When I told her that the factors did not change from yesterday she said they did. She stated that I had a delinquent account. I asked her which one and she refused to tell me. She directed me to the online group and they looked at my report and found no delinquencies. I downloaded another credit report from XXXX and XXXX. There were no delinquencies. Everyone I spoke with at Transunion could not explain why my score went down.

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 05-08-2015 about Credit card () with Kirkland Asset Management LLC (WV).
Issue: Delinquent account

Complaint: I was contacted by kirkland Management in New York saying I was going to be served papers and be sued if I did not pay. I told him my personal money situation and he said he was being nice and offered me a lower amount to pay them. They do have my information, but their pressure to comply and threatened to serve papers if I did not call them before Monday afternoon ( this is Friday afternoon ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WI).
Issue: Other transaction problem

Complaint: XX/XX/XXXX.

To whomever, I have had a

MoneyGram Account for many years and Errors are common with both MoneyGram.com and MoneyGram Payment Systems. Since I initiated the first of seven transactions
on XX/XX/XXXX MonyGram has not tried to contact me either by e-mail, phone or post.

They held my money for the first 2 trans
actions until my receiver e-mailed me on XX/XX/XXXX to tell me MG was holding the money and would not give it to him. 
{ the first was sent on the XXXX and the second was sent on the XXXX } and I receive no notice from MG. 

Unaware of what was going on, I tried to send three more on the XXXX they kept getting an error before I could complete them. Assuming MG was have trouble I tried two more later and was able to get them through.

After an 8 min. call on XX/XX/XXXX, MG gave me two new Numbers and I had to go to a MG store and get my money back. STILL nothing was said about the on line transactions. The only explanation was we choose not to do business with you. 

The initial attempt was on XX/XX/XXXX, I then started to check the accounts on line and discovered the three transactions were still in my MG account marked WITH A RED ERROR, on the XX/XX/XXXX and my bank account had three pending charges for them. 

On Friday XX/XX/XXXX the transactions were completed in the Bank account and still no word from MG. 

After I made a 40 minute phone call to MG on Friday they told me they would need two business days to investigate and correct the problem. That I should see the resolution on Wednesday XX/XX/XXXX. 

Wednesday came and there was NO CHANGE ON EITHER ACCOUNT. 
Another 22 Minute phone call reveled NOTHING, and I was told they needed another 72 hours. 

I called XXXXXXXX XXXX and after another 26 minute call they said they could make the funds available in 12 hours. 

Then on XX/XX/XXXX three transactions showed up on my bank account as pending and the transactions on my MG account were changed from A RED ERROR to canceled. 

I still have not been contacted by MoneyGram.com or MoneyGram Payment systems???? 

I just received three notices from collection agency on XX/XX/XXXX. 
I do not know that You are not a scam and I need an Official notice from MoneyGram.com. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, XXXX I was temporary leaving in XXXX, Where I was a customer for XXXX for the period of XXXX month by the end of XXXX I closed the account and sent their equipment back in the XXXX mailer they provided. I move to my present address on XXXX XXXX, XXXX. On XXXX XXXX XXXX through XXXX XXXX XXXX went into my XXXX Consumer Report and report this account as collection for the amount of {$420.00}. I called XXXX and after speaking with XXXX customer services person XXXX XXXX XXXX, who stated that I own this amount from the services address XXXX XXXX XXXX XXXX, NY and the account was set on XXXX, XXXX with a last payment XXXX on XXXX, XXXX. I informed her that never leave in XXXX XXXX XXXX XXXX, NY. 
On the month of XXXX I placed a disputed with XXXX Consumer Report base on the information stated above was not requested by me nor leave in XXXX XXXX XXXX XXXX, NY as they indicated. The account was delete from my XXXX credit report on XXXX, XXXX as conclusion of the disputed. On XXXX XXXX, XXXX I receive a letter from XXXX XXXX XXXX where state the account was remove base on statute of limitations. 
On XXXX XXXX, Enhanced Recovery CO LLC report this account on my XXXX Consumer Report and XXXX Consumer Report making my FICO score to drop dramatically. Immediately I sent a certify letter requesting debt validation and informing that base on the Fair Debt Collection Practices Act this type of debt has Time-Barred. Therefore let this letter serve as notification that I do not wish to be contacted about this debt since a violation of the Fair Debt Collection Practices Act apply. 
Enhanced Recovery Company continue to ignore my request in this matter. Both XXXX XXXX and XXXX need to be examined for these bogus activities. My credit is good enough that I will not take the " hit '' of {$420.00} nonpayment with a notation that I dispute the charge. I am requesting an investigation on this matter and order to stop XXXX and XXXX in this spurious business conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call more than 5 times a day. They never leave a message. 

They have also called my stepdad and left a message with him, he is not the person I put on my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 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: Documents for removal on report for  XXXX   XXXX . After filing complaint with the CfPB, they were supposed to be deleted.  XXXX  and  XXXX  have complied with deletion. Experian refuses to delete   XXXX    XXXX  ASAP.

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 10-01-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: -Att Loan Servicing Complaint on Wells Fargo Bank VA Loan Short Sale ( I feel like Wells Fargo Bank is not doing their best to assist me with my VA short sale. ) Hello, This VA short sale is being completed because of the value of my property going down w

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: X/XX/2018 cabelas XXXX credit card changed the policy that we agreed to pay without a op out option, we never received a notification in the mail, they changed the way they calculate the minimum payment and our payment increased {$100.00} above what we agreed to normally pay in our policy agreement, I talked to the company and they said too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: short of cash paying vet bill in XXXX 2016, they offered a credit card from CareCredit/Synchrony Bank. HOWEVER, I had to charge an extra {$200.00} on the card for absolutely no services rendered to me. A few days later, still very upset over the rediculous charge fee, I withdrew funds from my savings account and had a bank check sent directly to the vet - not the credit card company. The check arrived at the vet 's on XXXX XXXX, 2016. A couple of weeks ago I started getting phone calls - daily - sometimes four times a day from CareCredit. I have not answered except for the first time, which turned out to be a recorded voice. They did send me a bill for {$220.00} as they added interest.

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TRANSUNION HAS failed to use reasonable procedures to LEGALLY verify the information they are reporting on my credit reports. This is the last step for me before I get the ATTORNEY GENERAL INVOLVED and then take them to court. By law, they are suppose to use reasonable procedures to COMPLETELY verify the information that's on my report. How can they report information that I have NO SIGNED contracts for?? 

I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature! XXXX  has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by law.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXXI found a inquire on my Transs Union dated XX/XX/XXXX. I trued to call and no number listed .WEnt to their website and pushed contact, Just takes me to top of the page. NO way to contact. XXXX XXXX XXXX XXXX XXXX, PaXX/XX/XXXX. Never heard of them at hall. please have deleted.

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 04/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: RE : Ocwen Loan Servicing, LLCLoan : No. : XXXXDear Sir : I need assistance with my mortgage company Ocwen Loan Servicing. I am a XXXX XXXX XXXX veteran and a resident of Georgia. I have been paying my mortgage by automatic bank draft ( XXXX XXXX XXXX XXXX ) for over six years now However, Ocwen is saying they have not received payments from me and are threatening foreclosure. XXXX had previously serviced this loan. I have attached a copy of my payment history which shows that I have been making payments. Also I am unable to file my taxes because they have not listed the correct amount of interest I paid on my loan. I have included the loan number for your information. 
I am a XXXX XXXX veteran who XXXX ( XXXX ) times to protect the rights of all and now my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I THINK IM A VITIM OF FRAUD I WAS IN XXXX FROM XXXX AND I CANT GET MY CREDIT REPORT. MY EMAIL address is XXXXXXXXXXXX and my phone number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: SLS ( Specialized Loan Servicing ) is now as of XX/XX/XXXX servicing our home loan. It was transferred over from ( XXXX XXXX XXXX XXXX ). Just yesterday this Sat XXXX we received a letter from SLS requesting to provide our Flood Insurance, which should have been information that should have been transferred along with all our other XXXX information. The issue is that they are stating that they have already placed a flood insurance dated as of XX/XX/XXXX when we have just been notified that we need to provide our proof of coverage. 

Attached is our Flood Coverage Declaration page as well as our letter that SLS sent us that on the bottom states the 3 different ways we can update our Insurance Information. Well,,,, we attempted 3 times to enter the supposed Reference PIN number : XXXX and it comes up as " Incorrect PIN Number. 

This is how XXXX first attempted to add additional fees to our old mortgage even when we provided proof. On my previous complaint # XXXX on this company taking over our loan I expressed my concerns of how horrid this servicer is and how disappointed I am with XXXX for transferring over the loan. 

Now this is the beginning of our old nightmare all over again. I am faxing SLS the Flood Declaration page via Fax and Mail but I ask that you ensure they follow through with them updating the information so that they do not add fees or an additional Flood Insurance and tack that on to my Monthly Mortgage and its an literally 3 times more the price. 

I ask for your assistance and protection from this form of PREDATORY FEES beginning again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: I have already put in XXXX complaint regarding this company. They reneged on the interest rate lock period. However in communicating with XXXX XXXX, he sent me the following information about the procedure of setting up the loan and getting an appraisal. As you can see, XXXX states that '' we lock the rate for 45 days. Once we receive your documentation that is when we move forward with the appraisal and ultimately bring the loan to closing. " XXXX, I followed XXXX 's instuction and had the appraisal done. However, all of my information was not submitted before the appraisal. I paid, I believe {$420.00} for the appraisal and yet, my XX/XX/XXXX tax returns were not turned into XXXX. I actually did not get my XX/XX/XXXX tax returns until XX/XX/XXXX The directions were not followed. XXXX XXXX then rescinded my 45 day interest rate lock and I lost my money and the ability to get the loan that I wanted. I sent XXXX an email telling him that the proper timing for the appriasal was not followed, but I have n't heard anything from him regarding a return of my appraisal costs. The email to XXXX is as follows. 

Obviously, if you do n't have my XX/XX/XXXX tax return, the appraisal was done prematurely. 
From the start, I told you that I did not have my XX/XX/XXXX tax return and you told me that the deadline extension would suffice. I sent that in to you. You didn '' t tell me that you needed my XX/XX/XXXX tax return until almost the end of my first interest rate lock. 

XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately XXXX is the primary company that refuses to remove the acct that was opened by someone on XXXX $ XXXX.Acct no XXXX XXXX XXXX XXXX XXXX acct no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY

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