milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Status Claim XXXX in progress and therefore we need to submit a second claim regarding the same matter. 
We, XXXX XXXX XXXX and XXXX XXXX have followed up repeatedly with Wells Fargo regarding our case of an Escrow Account that they imposed on us and that we have had to repeatedly request deletion of throughout 2016 to date. XXXX and I, XXXX, take the initiative to contact both XXXX XXXX and XXXX XXXX, Executive Specialists of the Wells Fargo XXXX XXXX and XXXX XXXX. repeatedly about the case. Yesterday, XXXX XXXX, 2016, we tried to reach XXXX XXXX and XXXX XXXX. We often end up recounting our case to a backup contact in their group.We asked what the specifics they are seeking to conclude their research. The back-ups typically state that they will pass on a message to have either on call us back. We often take the lead to follow up on as we do not hear from them within the promised 24 hours stated on their phone system. 
***********Therefore their RESPONSE in claim XXXX is not truthful : Response : We 've been unable to establish contact with our customer, XXXX XXXX XXXX however, we did speak briefly to the co-borrower XXXX XXXX . We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. XXXX There were one or two occasions that we did not return calls on the same day. There are multiple times that we repeatedly needed to attempts calls to finally get them in person. have followed up repeatedly with this team and have support documents, their letters to us since XXXX XXXX and this does not include their conversations stating that they will close and delete the escrow that occurred XX/XX/XXXX and XX/XX/XXXX! The amounts showing on the Escrow Account, they assigned are payments that they have pushed to the XXXX XXXX County Tax Collector for Property Taxes that we have already paid! Also, they have pushed payments for our home insurance to XXXX XXXX causing confusion as we have already paid those. XXXX took steps to follow up with both XXXX and XXXX XXXX who returned payments to Wells Fargo so that the Escrow account showed a XXXX balance. They keep saying they are working on a deletion. Quiet the contrary, we got an Escrow statement in the mail on XXXX XXXX and they have repeated their pushed payments for property tax and home insurance once again! Due to this situation, we have provided them with XXXX cashiers checks for our agreed on mortgage of {$2600.00} and monthly XXXX has paid them at a local Wells Fargo branch. On their Escrow statement they show that this amount is " on hold ''.

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 03-02-2017 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Billing disputes

Complaint: My account was marked 30 days past due. I never received a past due notice and never got a call from the company to notify me that my payment was missed. The company told me at some point I opted out of contact. Having worked in XXXX for 10 years I have NEVER missed a payment and would NEVER opt out of communications for reasons like this.

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 02-05-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I have an account with Green Tree/Ditech. I 've been paying this mortgage for 17 years. In XXXX 2015 I received a check from GT/Ditech. The statement read the amount was not enough to reinstall the loan. They accused me of missing a payment. A payment was n't missed. I have carbon copies of all my checks I 've sent them. I have continued to make payments & return all the checks they have sent me. GT/Ditech are charging me outrageous fees & legal fees. They have even hired an attorney to take me to court. This company has caused me so much grief & pain over craziness. They need to be stopped. My payments are {$490.00} a month. GT/Ditech is stating I owe them over {$6000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: One of the tradelines in my credit report is reporting the wrong status on TransUnion. 

Reference Number : XXXX Date Filed : Reported on XX/XX/XXXX Classification : Lien Responsibility : Individual Amount : {$1300.00} The CA lien was reported in XXXX. It is currently XX/XX/XXXX, over 6 years since the lien was originally released. 

It should be taken off the TransUnion 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 09/22/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a victim of the Wells Fargo modification review. On XXXX/XXXX/15 I was told by Wells Fargo the modification was received and they needed updated pay stubs. I sent that and the tax returns on XXXX/XXXX/15. On XX/XX/XXXX I was told the file was declined and a sale date was placed on XXXX/XXXX/15. Now WF is saying they have never received a modification for review? How do you decline something you never received? ( House of lies ) I realizes I DO NOT QUAILY FOR HAMP. I have stated this 10 times to WF. I wanted to be reviewed for an INVESTOR MODIFICATION. WF never sent the modification paper work to the investor for review. Instead they have lied about the entire review process. I have just battled XXXX, and now have to file for bankruptcy. This could if been avoided if WF was honest and at least sent the file to the investor for review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Deposits and withdrawals

Complaint: My Bank Of America account information was stolen and they bank contacted me about it, soon after I had called to cancel my account due to fraudulent unauthorized activity on it, I was told by the representative that the fraud charge was credited back to my account and that I would be receiving a check in the amount of XXXX cents ( That 's all I had left in my account due to emptying it ahead of canceling ) About a month later I received a notice in the mail that my account was overdrawn by almost XXXX dollars so I called and got transferred to XXXX agents none of which would help me. I recently got a refund in the amount of XXXX dollars credited back to my account and it went into the bank of america account which i have no access to, when I called to advise them of that I again was unable to be helped. I have continuously called since then when I have the time to sit on hold forever to reach someone. Today I called again and reached an agent that again said he was unable to help me and transferred me to a number that was unavailable. So again, I 'm stuck with no one to help me and am very frustrated. I have spent hours of my time trying to get this problem dealt with and Bank Of America has done nothing. I was a valued customer right up until I called to close my account and now i 'm stuck with this issue over my head. I need the bank to credit the fraud charge like they told me they did and issue me a check for my XXXX dollar refund. They also cut off my access to view anything on the account through online banking when i called to cancel about 3-4 months ago so unfortunately I have no way to document 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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RSH & Associates, LLC (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I noticed that my credit score had dropped dramatically on XXXX XXXX so I got credit report and discovered that RSH & ASSOCIATES LLC had, posted a collection to my credit history report so I called XXXX to see what this was and I was informed by an employee named XXXX XXXX that this was my wife 's debt and that I was responsible for debt because we were married and I informed him that I had not signed for any of the services of XXXX XXXX XXXX XXXX XXXX XXXX and that I was not present the day services we rendered, he said that they were not going to remove. So I contacted XXXX and filed a dispute and called CFPB on X/XX/2017 and was informed that I was correct, that this collection agency can not attach this to my bureau just because I 'm married and that I needed to file a compliant to keep them from doing this again. I want this company to remove all collection reports that they have file against my credit history with any reporting agency or I might take legal action. Thank You!! XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks. XXXX Ph. # XXXX Original Creditor XXXX XXXX XXXX or XXXX XXXX Mo. Dollar amount {$830.00} past due as of XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with CITIBANK, N.A. (IN).
Issue: Advertising and marketing

Complaint: Consumers have a right to opt out/limit sharing by credit card companies so they do not market our information at our expense. I received a notice from Macy's/Bloomingdale 's in the mail today telling me that I had the ability to opt out by calling an XXXX number listed on the notice ( XXXX ). Although it is unfair to expect the consumer to opt out ( they should ask us if we want to opt in ), I did so by calling the number as directed. I subsequently got passed around to XXXX different people and after 25 minutes on the phone I was connected to someone who could help ( XXXX, Macy 's customer service ). This is a deceptive trade practice. It creates a barrier for consumers to exercise their rights by having them spend 25 minutes on the phone. Most people would have simply given up and the credit card company would have gone on sharing my information at my expense. The law needs to change so that consumers, not corporations, have their privacy protected by default. I eventually was successful, but it is unreasonable and a deceptive practice by Macy 's to prevent consumers from limiting the sharing of our protected information.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called in to TransUnion XXXX on XXXX/XXXX/XXXX to request XXXX credit inquiries to be removed from my credit report due to a glitch in their system during the months of XXXX XXXX and XXXX thru XXXX of XXXX. I explained to the customer service rep as well as the supervisor during the phone call, that I am also aware of the law that requires the credit reporting agency to notify the consumer after they add previously deleted information to my credit report. As of today XXXX/XXXX/XXXX TransUnion XXXX has failed to remove my inquiries.

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 03-01-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I do not believe I owe the dept they are reporting and it is extremely difficult to communicate with experian.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My information was initially exposed in the XXXX breach and gained access to credit and identity monitoring after that incident. Since then, I regularly check all alerts that typically include normal inquiries for credit or new accounts being opened that were my own. I recently found out that my information was also exposed again during the recent Equifax breach and yesterday I got another alert that XXXX XXXX XXXX had done an inquiry on my credit via Equifax. Knowing this was n't initiated by me, I contacted XXXX XXXX XXXX 's fraud department and found out that on XXXX/XXXX/XXXX, a wireless account was opened with my SSN using someone else 's name and address. XXXX XXXX XXXX 's fraud department actually did close the account as of yesterday and marked it as fraudulent but now I have confirmed that my SSN has been exposed and was stolen with the intent to use it to steal my identity. I have reported fraud alerts with XXXX who said that fraud alerts would then be sent to the other XXXX major bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Payday loan) with Collaborative Resolution Group (WI).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: On XXXX/XXXX/XXXX XXXX from CRG phone number XXXX contacted me. She claimed I had taken out an online loan with XXXX on XXXX XXXX, XXXX. I did not. She claimed a reference listed was a person I had not met until the summer of XXXX. 

This woman knew the last XXXX digits of my social security number, my date of birth etc. I have never taken out an online payday loan. I believe it was a scam. My concern is she called to verify my personal information and will use it for fraudulant purposes.

Company response to consumer: Closed
Consumer complaint received 02/22/2017 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: My bank of 27 years closed my checking account with no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Medical) with Strategic Alliances, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I visited the emergency room at XXXX XXXX Hospital and was billed as a charity case because I am indigent under the GA Indigent Care fund. These 3rd party collections agencies bill me and call me for the services that have been credited and cleared my account. However, each time I tell them this they sell the account to another 3rd party collection agency that will bill me the next year and add this back onto my credit report. They keep flipping this bill after I send the confirmation that the bill is clear. This is some type of pontzi scheme and they just keep on coming. There needs to be a stop put to this type of activity by these collectors.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: MY MORTGAGE WAS ARBITRARILY MODIFIED OR CHANGED FROM A 30 YR TO A 40 YR MORTGAGE. I NEVER AUTHORIZED NOR CONSENTED TO THE MODIFICATION. IN ADDITION, I WAS NEVER LATE IN MY PAYMENT, BUT THE MORTGAGE COMPANY REPORTED ME LATE ON ONE PAYMENT WHICH ADVERSELY AFFECTED CREDIT. I BECAME AWARE OF THE MODIFICATION IN XXXX 2016 WHEN I WAS ATTEMPTING TO REFINANCE THE MORTGAGE. ALL EFFORTS TO HAVE THE MORTGAGE ADDRESS BOTH THE UNAUTHORIZED MODIFICATION AND DEROGATORY CREDIT REPORT HAVE FALLEN ON DEAF EARS. NOTE THAT I DID NOT ATTACHED THE FULL MORTGAGE NOTE BECAUSE IT WAS TOO LARGE. I WILL BE GLAD TO OVERNIGHT 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 explanation
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: PORTFOLIO RECOVERY REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citi Bank checking account. There was a promotional offer of : Deposit {$15000.00} for XXXX days, then after the XXXX days allow up to XXXX days and a {$400.00} bonus would be deposited into your account. I complied with all the requirements and this has been confirmed by Citi Bank. XX/XX/XXXX I should have had the {$400.00} bonus credited to my account. It has not. I have contacted Citi Bank and they claim they have opened an investigation, but I have not received the bonus or explanation why. I have seen online other that have experienced similar issues with this Citi Bank bonus offer. Thank you. 

XXXX

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 Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX   XXXX     2014 I ap plied for bankruptcy. At which time the debt to  XXXX   Huntington Bank  for {$63.00} was listed in the petition. On  XXXX   XXXX ,  2014, the  debt was  discharged through the bankruptcy. This is still listed on my credit repo rt and   XXXX   XXXX   Report. Please adjust accordingly.     Case #  XXXX   XXXX   XXXX   XXXX   XXXX    Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom it may concern, On XXXX of 2016 XXXX XXXX XXXXe reported my monthly payment as being late. I called XXXX XXXX the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from XXXX XXXX as I always did, therefore I did make the payment on time due to their negligence on sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with XXXX XXXX there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then XXXX XXXX should have that information on file, this individual admitted that XXXX XXXX did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) XXXX XXXX Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and XXXX XXXX has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. XXXX XXXX is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved. 

Thank you. 

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled. 

I would like to have the late noticed removed from all of my Credit Reports I  will also be filing with the Attorney General 's office

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 03/25/2017 about Credit reporting () with Ditech Financial LLC (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A Ditech mortgage appears on my credit reports from XXXX and XXXX. I contacted both reporting agencies and advised I have never had a Ditch mortgage or Ditech loan of any sort. Neither credit reporting agency has removed the incorrect information. XXXX advised I should contact CFBP for assistance. The one and only mortgage I 've had in my lifetime began with XXXX in XX/XX/XXXX. When XXXX shut down, my mortgage was sold to XXXX ( XX/XX/XXXX ). In XX/XX/XXXX, I refinanced with XX/XX/XXXX who, to this day, still holds the mortgage. Again, I have never had a mortgage or loan with Ditech and want the Ditech mortgage removed from my XXXX and XXXX credit reports. I have no documentation to attach as the Ditech mortgage is not mine, and XXXX XXXX, and Ditech can not provide any documentation on this alleged Ditech mortgage showing on my credit reports. I would greatly appreciate assistance in getting this fraudulent entry removed from all credit reporting agencies ASAP.

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