milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (ID).
Issue: Managing the loan or lease

Complaint: We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were two companies that hit my credit XXXX 10 days apart. XXXX and Wells Fargo XXXX hit my credit on XXXX XXXX and again on XXXX XXXX. How do I get the second hit removed on each one?

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 07/13/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I applied for a credit card with Macy 's in XXXX XXXX. In XXXX XXXX, I received a bill from a collection agency stating I owed about XXXX dollars on the credit card. I immediately paid that off with the collection agency and called Macy 's about the situation. I was flabbergasted and I stated to the Macy 's representative that prior to this, I never received a bill statement from Macy 's. The Macy rep informed me that my account was closed and it was nothing they could do, they had already sent it to collections. The Macy 's representative also informed me there was a return service address on the mail they sent out. However when I applied for the card, I included my address on the first line and my apt number on the second line. I received my products but never received my bill statement. I do n't understand how the collection agency had my full address but Macy had no idea what my address was but they were able to send my products out. Someone in the billing department dropped the ball because the ordering department was able to deliver my product with no worries. I then asked Macy 's if they had a copy of my credit application because I know I wrote my apartment number on my application. The rep informed me they did n't have my application on file due to the application being completed in the store. As a consumer, I always elect for paper bill because that method suits me and it serves as a physical reminder that I have a bill to pay. The product was only XXXX bucks, I incurred over XXXX dollars in interest and late fees. In XXXX XXXX, I had a XXXX credit score. I always pay my bills on time. I provided a phone number on my credit card application and no reasonable steps were made to get ahold of me. I apply for credit cards all the time and I ca n't remember each and every single card thus as consumers we are entitled to a billing statement to remind you that you have a bill due. If I had received the billing statement, I would had paid the XXXX bucks. Now my credit score is a XXXX due to XXXX derogatory indicator on my credit report from XXXX. I have XXXX credit cards along with all my other bills I have to pay on time, all which I get billing statements for. This needs to be taken off my credit due to their lack of communication with the consumer of notification of a bill even due.

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 12-01-2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Payoff process

Complaint: Credit card debt that was originally with providian and then moved to XXXX XXXX XXXX XXXX when providian was purchased by XXXX in XX/XX/2006. My acct was always in good standing and paid off balance to XXXX. I have been receiving debt collection letters and calls for several years regarding this account that was taken over by XXXX. I do n't understand how debt collection can occur for this account since it was part of a merger of banks. I have little recourse since XXXX was purchased by XXXX, they have no record of the debt since it was paid and account closaed prior to the XXXX merger.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Bank account or service (Checking account) with BANK OF THE WEST (CA).
Issue: Problems caused by my funds being low

Complaint: I am a former customer of Bank of the West ( FDIC # XXXX ), who spent much of XXXX and XXXX attempting to close my personal checking account. I initiated phone communication with Bank of the West on XXXX XXXX, when my bank was in good balance, and was immediately thrust into a bureaucratic nightmare. When I called the XXXX number, I was informed that I had to speak with the branch at which I opened the account. As I have moved away from XXXX XXXX, where the account was opened, I found myself with no recourse but telephonic communication. 

I attempted to call the branch at which I opened the account, and was put off, despite multiple tries, by the manager 's unavailability. Each time, I was promised a return phone call. No call was ever forthcoming. 

The account was in good balance until XXXX XXXX, at which it became overdrawn. I promptly deposited {$30.00} into the account, with the intent of establishing a positive balance, but was immediately swamped with overdraft charges. Simultaneously, a previously scheduled XXXX charge XXXX XXXX/XXXX/15 XXXX went through on the account, despite my attempts to get XXXX to remove the charge. Still, I believed this would be fine, as I had deposited enough money in the account to cover the charge. What I did not realize is that Bank of the West 's egregious grift had all ready eaten in the money that I had deposited. 

While this was happening, I was still making attempts to contact Bank of the West at their XXXX number and at the branch where I had opened the account. There was no traction with the XXXX number, as they insisted I need to speak with the branch as the balance was negative. I found myself caught in a XXXX -- I could n't close the account because the account had a negative balance, to which bank of the west was adding incurred fees each day. The local branch, meanwhile, did not return any attempts at communication. The manager was always " out to lunch. " With XXXX exception, ( a {$0.00} XXXX charge on XXXX/XXXX/15, again unexpected ), the account underwent no use, yet it continued to accrue daily overdraft charges until the XXXX of XXXX, when Bank of the West closed the account and referred it to a collections agency. 

It is my fear that my experience has become a standard business practice of Bank of the West, whereby both the unexpressed and expressed desire of the institution is to refuse the closure of accounts for financial gain, with the threat of ruin to any customer unwilling to participate in its usurious scheme. 

This unscrupulous practice of exploitation and abuse of Bank of the West 's customers must neither be tolerated nor sanctioned by its governing bodies and insurers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This credit card was issued thru MBNA and was PAID after an agreed settlement number was given. This credit card was back from XX/XX/XXXX and was paid and should have been removed from my credit in 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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XX/XX/2017 I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with Ocwen and in 2013 they approved a short sale and it was complete XX/XX/2013. They are still reporting the whole balance and it should have been XXXX once the short sale was complete. It has affected all my financing since 2013 due to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease

Complaint: I have a loan with Hyundai Motor Finance that matured in XXXX XXXX. I had some payments deferred to the back of the loan which were due after the maturity date. I have a contract with HMF stating that these payments were acceptable after XX/XX/XXXX, beginning in XXXX XXXX. I have been making these payments two weeks late because my mortgage payment is due at the same time. I do pay the {$30.00} late fee that they request. HMF is stating that I am 30 days delinquent and have reported that on my credit, which has brought my score down significantly. I have the contract from HMF which states that these payments are acceptable, however when I spoke with a representative they were saying that they would withhold the title on the car when I have completed the payments in XX/XX/XXXX. They have also threatened repossession of the vehicle. They are not honoring their own contract, they are phoning my home after I told them not to contact me there. I have a XXXX wife and this is XXXX to her health. I want them to honor their contract.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Medical) with Clark County Collection Service (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I am very disappointed with how this case has been handled, I 've done what I can and very unfortunate this illegal case was a violation made against The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (WA).
Issue: Deposits and withdrawals

Complaint: Money was stolen electronically from all of my accounts with Chase Bank. {$24000.00} from my Money Market Savings Account. There was also {$5000.00} stolen out of both my checking and my savings accounts at separate times and numerous smaller amounts. When I realized that money had been being drained out of my account I called Chase Bank and asked to put a stop payment on the withdrawal and it was not performed. Also Chase Bank neglected to put my money back into my account after that happened to my supposedly insured money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I filed a dispute with Experian in early XXXX in regards to an account reporting on my credit report that does not belong to me. The account is XXXX XXXX, it was deleted and found not to belong to me. On XXXX XXXX, XXXX I find that this account that does not belong to me is place on 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 01/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with TransUnion. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to TransUnion, nor has TransUnion requested the information, I called TransUnion and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. She stated they verified this information through XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed them a copy via certified mail. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), TransUnion never marked my credit report as being disputed either.

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 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is for Transunion, they are reporting a XXXX account, with a balance of XXXX that does not belong to me. They are listing me as authorized user, and i have no knowledge of this account, and it needs to be removed immediately. They are also listing twice that I have a delinquent account with XXXX and that it 's a charge off : XXXX in the amount of {$5500.00}. This is not mine either!

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 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting fradulent debt that does not belong to me from XXXX XXXX XXXX for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (RI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Hunter Warfield in XXXX XXXX has bought a rental contract from my old landlord. They harassing calls and reporting to all the credit bureaus monthly adding XXXX a day. I called them first to see who they were. I gave them my information and they told me that they will destroy my credit. I was let out of the lease because of a cr accident and unable to get a handicap accessible unit. And on XXXX I could no longer afford to live there. I left my security deposit because I was unable to do the mandatory cleaning that every apartment should do. The also said I filled the dumpster. All my furniture was taken with me. Damage to rugs. They were over five years old when I moved in. They are up to XXXX. In damage. And I had a walk through when I handed my keys in. Hunter Warfield has sent me letters to settle for half since it was a joint account. One man on the phone told me to hold a sign for money on the corner or make a relative pay it. Because of this I am unable to get a apartment I have to rent a room. They are destroying my life. They call twice a week. I should of had a day in court by the original creditor XXXX XXXX XXXX XXXX XXXX . Please help me, I do n't know where to turn.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX sold our mortgage to Select Servicing Portfolio and our first payment was to be sent to SPS by XXXX. Our payments were current when we were with XXXX but when the new company took over they stated we were a month behind. We sent the full payment to catch up the mortgage and they are still saying we are behind on our mortgage. We send weekly payments because my husband gets paid weekly. Before the sale our mortgage our payments were to be {$560.00} with XXXX and due XXXX but SPS is stating our payments are to be {$690.00}. They had our XXXX taxes as XXXX which was correct, until we requested a reanalysis, and SPS is claiming our XXXX taxes as {$1100.00} when they are only {$420.00}. New tax bills were submitted to them, at which time we asked for a Escrow Re-Analysis at which time they changed our XXXX tax amount to our winter tax amount but they are still claiming our winter taxes as {$1100.00}, which is over 4 times the amount they actually are. I have called several times and they refuse to get the tax information corrected. Please help us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Trouble during payment process

Complaint: Ditech Financial LLC recently agreed to modify my mortgage loan and withdraw its Foreclosure Complaint. In the process of modifying my mortgage loan they misappropriated {$1900.00} of my money that was sitting in an Unapplied Funds Account. I have brought this to the attention of the Customer Service Department at  Ditech  and their response is that I am wrong and that no funds were misappropriated.   Please see the attached document that prov es, using Ditech Statements and Schedules, that {$1900.00} was withdrawn from the Unapplied Funds Account without any valid or legal purpose. Please compel Ditech to return m y {$1900.00} without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Re : Wells Fargo Mortgage Loan # XXXX XXXX XXXX : Chapter XXXX Case NO : XXXX Filed on XX/XX/2017 Dear XXXX XXXX, XXXX & XXXX XXXX : Your offices were notified via the attached XXXX XXXX, 2017 letter of a person frequently showing up at our door claiming to represent Wells Fargo Mortgage and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX demanding we hand over the keys of the property. In each of the intimidating events the male person depicted in the attached photo taken on XXXX, 2017 between XXXX XXXX and XXXX from several video surveillance cameras angles, while attempted to forcefully and unlawfully access the property via the side-gate entrance and over the fence. When the individual was confronted and demanding he leave the property the person angrily replied, Today is Foreclosure Day, ( see attached Notice of Foreclosure Sale for XXXX XXXX, 2017 ) you can hand over the keys now, or I will be back with the sheriff this afternoon to kick your XXXX out.

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 10-11-2016 about Credit card () with DISCOVER BANK (VA).
Issue: Closing/Cancelling account

Complaint: Discover closed my accounts only with a letter notice and no reason or further information. The account being closed was an activate account, with last transaction on XX/XX/2016, but receiving the closed notice on XX/XX/2016. Year-to-date spending is {$1600.00}. 100 % on-time payment and no fraud or any other risky activities. Contact Discover and being transferred to different departments and yet no further information but only been asked to write letter to a XXXX to request a reason. Meanwhile, Conflict information received from Discover online system sending email encouraging to join rewards program and also normal status in online profile.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a banking error that led to insufficient funds. Having being off work for 9 months. I paid the late fee 's and submitted the payment a few business days later. Then next month my ( bank Bill pay ) made the payment on time and the bank OCWEN.. said I cant submit this form of payment. I asked if I could play by Card they said for a fee ... then said I only send them money Via XXXX XXXX or Cashers Check or Certified Bank Check. This all costs additional money on top of my payment to the bank. I told them that I should not have to be charged extra money because they wo n't accept typical forms of payment. So on top of the returned check fee. I will have to spend additional XXXX dollars to wire them money every month. 
They also said they would not except cash if I sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Student loan (Federal student loan servicing) with Van Ru Credit Corporation (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: This process started in XXXX, XXXX. I contacted VanRu in an attempt to rehab my loan after confirming that they received my packet ( with the salary information and all the paperwork ). I was under the impression that I would be on the reahab loan. I contacted a few months later to check on the status of this- they said that everything looked good and I had a few months left to complete the rehab program. After a while- I realized that the loan had not been moved to a different servicer- I called them again to check on this. They claimed that they never received the paperwork and that all of the payments did not apply to the rehab program. They claimed that they would submit the required paperwork by email /mail and that they would need to be filled out and returned. After a week or so, I contacted them again to ask for the paperwork, they claimed that this has been submitted to me and I have received them. When this happened again- they submitted a loan consolidation application paperwork- not the paperwork required for the loan rehab program. 

I had been making monthly payments for several years and they continue to send me letters saying that the payments are collected by wage garnishments which is false. Now this loan apparently has been deferred to a DIFFERENT collection agency. This loan should have been in good standing as of 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