milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is Wells Fargo mortgage. My complaint # XXXX. I 've been Wells mortgage since XXXX XXXX. When I brought this property, there 's XXXX separate lots only XXXX lot with mortgage. Mortgage on address XXXX XXXX XXXX XXXX XXXX Oregon XXXX. Other XXXX lots is has no mortgage. Although when I purchased this property it was all connected. 
On XXXX XXXX XXXX I spoke to XXXX XXXX of Wells to resolve. I told Wells is not right. What I 'm fighting about is that Wells is making me to pay all XXXX property tax lots. Before refinance, which address XXXX XXXX XXXX XXXX property tax included in mortgage. After refinance XXXX XXXX XXXX XXXX is not include property tax in mortgage. It was never brought to my attention at the time of refinance. In my first payment I discover it Wells withdraw more than I 've agreed. 
Wells said all XXXX property tax lots I 've to pay. I told them, escrow XXXX XXXX XXXX XXXX property tax should be included in mortgage. Indeed I will pay XXXX other property tax lots ( which does not have mortgage ) or I will pay XXXX property tax lots on my own but Wells is not willing to do that instead they like to bundle all together. I do believe Wells see loop hole with XXXX lots and make it confusing to understand. The reason wells got involved I owned property tax on the other XXXX lots was discovered in XXXX. 
From beginning bad communication and never return phone call. It 's was so sloppy we missed closing in XXXX XXXX. XXXX said I 'm long committed customer to them and offer me XXXX steps refinance at 3.5 % with no closing cost. XXXX XXXX in our last conversation said I am XXXX with this and I agreed to this. That 's XXXX! We do not have agreement. I need help resolve this issue. I look forward to hear from you. 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 monetary relief
Consumer complaint received 04-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: FedLoan Servicing refuses to accept payments on weekends. Why? On what legal authority to they rely in order to the limit the days on which borrowers may repay their loan. No other legitimate creditors employ this unlawful and usurious practice.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I revived a call from Diversified Adjustemnt services on XX/XX/2017 @ XXXX XXXX MSt, she stated it was an attempt to collect a debt for XXXX for XXXX the debt was n't validated so they where forced to remove from my credit. After I stated that the debt was n't validated, and I would summit a complaint with FTC and CFPB she stated do whatever you what.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Not opted into overdraft protection ; ACH debits not included in this ONLY debit card .... not clearly stated. XX/XX/XXXX account was overdrawn, called PNC XX/XX/XXXX rep explained people dont understand overdraft protection fees/policies and it doesnt applied for ACH and got fees waived so I could close account. XX/XX/XXXX overdraft fees were put back on account for pending transactions that the representative I talked to didnt mention and was told there was nothing they could do and had to wait for 2 days for a call back. XX/XX/XXXX went to PNC branch to explain situation and that Id be happy to pay debit balance of XXXX $ but wont pay the fees totaling XXXX . ( Charged me a fee for not showing my college ID every 6yrs INCLUDED in this was CONTINUOUS OD fees and overdraft fees ). Account now at $ XXXX and theres nothing they can do. XX/XX/XXXX branch manger trying to assist but cant refund fees theres nothing he can do, but will try to escalate account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my personal credit report, and I noticed unauthorized inquiry had been made. 

I contacted these creditors, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the following inquiry on my credit report to determine who authorized the inquiry. 
1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX- XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 4.XXXX XXXX  XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX   XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XX/XX/XXXX 10.XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XX/XX/XXXX 14.XXXX XXXX XX/XX/XXXX 15.XXXX XXXX XXXX   XX/XX/XXXX 16.XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 17.XXXX XXXX XXXX   XX/XX/XXXX 18.XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 12/16/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, US Bank Home Mortgage, is giving me the run-around and will not send out my flood insurance funds to me to pay for damages to my flood-damaged home. My house was flooded in XX/XX/XXXX in XXXX Louisiana. On XXXX/XXXX/2016, I submitted documents requesting reimbursement from MY OWN FLOOD INSURANCE FUNDS to reimburse me for my expenses. Previously, I spoke to XXXX different customer care specialists, and was told I only needed to send my receipts and a letter requesting reimbursement. I faxed all of this documentation on XX/XX/XXXX to US Bank 's Loss Draft Dept. On XX/XX/XXXX, I spoke to customer care specialist XXXX XXXX and was told the 'automated system ' did not recognize my request and was told it would be another 3-5 days. On XX/XX/XXXX, I called and customer care specialist XXXX XXXX told me that a reply from their Exceptions process was issued on XX/XX/XXXX that a new inspection would be needed. On XX/XX/XXXX, US Bank Loss Draft Dept XXXX XXXX left a VAGUE voice mail msg for me to call the Loss Draft Dept. When I called on XX/XX/XXXX, that 's when I was told about this new delay and that an inspection was needed. I have left msgs for XXXX XXXX, Supervisor, who has not returned my calls. My receipts, documentation, and previous inspection in XX/XX/XXXX should be enough evidence that I am repairing my flood-damaged home. I am requesting reimbursement of my expenses paid, and the remaining funds from my flood insurance check that US Bank is unlawfully holding and making interest off of my flood damage claim. Remaining funds left is approximately {$20000.00}. I am requesting a check made payable to me alone for this amount and to be expedited via XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I applied for a Walmart Credit Card and was approved. I called up and asked for a Credit Increase. The increase was denied and I decided to Not Accept the Credit Card. Credit rep told me no card would be opened or sent to my home. I checked my credit report yesterday and there is a New Account that was listed and closed within 1 day. This is incorrect as I declined the offer. My credit has gone down XXXX points because of this. I Called Walmart and spoke to one of the rudest representatives there who told me there was nothing she would do. Walmart lied to me about the account and it should be deleted. I never accepted the offer .The terms and my rights were not read to me when I declined the offer. I will be also filing a complaint with the NY State Attorney General

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 05/27/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: EQUIFAX I HAVE IDENTITY THEFT VICTIM I SENT OUT LETTERS TO ALL XXXX MAJOR CREDIT BEARUS ONLY XXXX WANT HONOR IT NOR GIVE ME MY CREDIT REPORT IS EQUIFAX SOME REASON I HADE LIKE XXXX OPEN AUTO LOANS AND SEVERE CHARGE OFF NOT ME MY EQUIFAX WAS OVER XXXX IN XXXX 2014 LAST TIME I EVER SEEN IT AS SOME ONE PLACED SECURITY FREEZE ON IT I CANT GET EQUIFAX TOO GIVE ME MY REPORT I SENT THEM XXXX COPIES OF MY DL THEY WANTED COPY SSN AS WELL WHICH I WOULDNT PROVIDE TOO THEM THEY SENT ME LETTER BACK SAID MY DL PICTURE DOESNT MATCH ME WOW SOME ONE HAS MY DL WITH THERE PICTURE IN YES THE DO IT XXXX GUY NAME IS XXXX XXXX I HAVE HADE MY MAIL SENT TOO OTHER ADDRESS OTHER THAN MINE SOME ONE HAS FORWARDED MY MAIL YOUR CREDIT BEARU WILL SHOW IT BUT THEY WANT PROVIDE IT ME WITH ONE I HADE BUDDY GOT IT OPEN AND PULLED IT HE SAID IT HADE OVER XXXX OPEN AUTO LOANS XXXX CHARGE OFF THEN XXXX REPO HOWS THAT EVEN POSSIBLE SO I GOT COPY OF IT DISPUTED IT ALL THEY WANT SEND BACK ANY RESULTS ITS CLOSED AGAIN ITS BEEN NIGHTMARE I HAVE XXXX PAID OFF LOANS THAT ARE MINE POSSIABLITIY GONE ACCORDING TOO DISPUTER THEY TOLD ME THEY HAVE SEEN THIS BEFORE USE INNOCENT PEOPLE CREDIT REPORTS GET ALOT AUTO CREDIT CARD LOANS THEN FREEZE IT AND FORWARDED THE MAIL TOO PO BOX AND CHANGE THE INDENTITY TOO THEM BUY CUTTING YOUR PICTURE OUT PUTTING THERES IN THERE AND PRINTING OUT YOUR SOCIAL NUMBER MAKING LOOK REAL I HAVE HADE NOTHING BUT NIGHTMARES FROM THIS I HAVE CALLED EQUIFAX THEY WANT TALK TOO ME BECAUSE I HAS FRAUD ALERT WITH QUESTIONS I CANT ANSWER THE GUY STOLE MY IDENTITY IS XXXX XXXX AND XXXX I HAVE HADE TON EMAIL PROMOTIONAL FROM XXXX XXXX AND XXXX XXXX XXXX POLICE CALLED ME 2 YEARS AGO ABOUT THIS MATTER THEY HAVE HIS REAL PICTURE ON FILE DEALER TURNED IT IN AS THE NAME DIDNT MATCH UP WITH THE BUYER SO I NEED HELP PLEASE MY BEARU HAS BEEN LOCKED ALL THIS TIME

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 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: Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP

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 03-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DC).
Issue: Account opening, closing, or management

Complaint: Citibank has attempted to defend its actions in this matter by reliance upon the Expedited Funds Availability Act. That defense is only tangential, not central, to the current claim. 

In this instance, when I attempted to deposit the counterfeit cashier 's check ( copy attached ) ostensibly drawn on XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) in a Citibank ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, the ATM rejected the check. I then approached a teller at that Citibank branch location and indicated to him that the ATM had rejected the cashier 's check and asked whether the teller would accept deposit of that same counterfeit cashier 's check. 

As noted by XXXX XXXX, General Counsel for XXXX, in his email of XXXX XXXX, 2015 ( copy attached ), any bank teller with the requisite training in detecting counterfeit cashier 's checks should have immediately known that the check I presented for deposit was counterfeit. In this regard, as XXXX XXXX points out, legitimate cashier 's checks have " a tracking number which is not present on the check presented to Citibank. '' In addition, as noted by XXXX XXXX, legitimate cashier 's checks bear the telephone number of the issuing institution ( which the counterfeit check did not ) and the check in question bore a suspicious " security features box located on the reverse side. '' Therefore, Citibank 's act of accepting the counterfeit cashier 's check, which their employee ( the teller ) knew had just been rejected by Citibank 's own ATM machine, was, at best, gross negligence, and the teller who accepted the check was either completely untrained in fraud detection by Citibank, extremely reckless, or knowingly and intentionally careless in his actions. The fact the I was given immediate credit in my account for the counterfeit cashier 's check merely compounded the grossly negligent and reckless behavior of Citibank and led to their loss - - which they are now attempting to pass on, unlawfully, to me. 

Under the circumstances, Citibank should be made to suffer the entire loss in the amount of {$1900.00}. Instead, Citibank has, as they admit, closed my account and has also notified other banks to not do business with me, thus preventing me from opening a new account elsewhere and further damaging and injuring me in my personal finances, reputation and credit.

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 12/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried to get my credit report and it tells me my information does not match what 's on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 opened disputes with all three credit agencies regarding the reporting of a medical debt. This debt is indeed not true as the original creditor is accepting payments. XXXX and TransUnion have not removed this account from my report, XXXX has. I also do not have any contract with the collection agency that is listed on this 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 non-monetary relief
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  has reported on my credit report for  XXXX  that I had  3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the  bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the   XXXX   XXXX    XXXX  numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the   XXXX   XXXX     XXXX  has the wrong infor mation on my payment, balance last payments amount made  & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the   problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting  XXXX   XXXX   XXXX  Address   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  FL Zip Code  XXXX  Regarding Account Number ( Blank  )  & Account Number ( Blank ) I ( blank ) on this  XXXX  Day of  XXXX   XXXX  do hereby request a complete copy of my payment history from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these accou nt s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex Check Cash Mo ect. )  Please Mail this information 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 12/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a CA State lien that has been released XXXX XXXX, 2013. 
Ref Number XXXX Contact details XXXX County XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Problems caused by my funds being low

Complaint: m an t bank they post transactions against my account at XXXX but post deposits at XXXX and I would get charges because I did n't have enough to cover after complaing about this I did notice last night a deposit was posted at XXXX frist time in 15 years also i deposited a XXXX dollar check they held XXXX the teller told me it would clear at XXXX for the full XXXX they also charged me {$45.00} in shipping on new checks it came by mail after fighting with them they did credit me back some

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage with XXXX XXXX called for a monthly payment of XXXX. The mortgage moved from XXXX to Litton Loan. Medical issues prompted me to XXXX. Those additional medical costs, plus the failure of my wife 's business, caused me to fall behind in payments. Repeated requests for a loan modification were futile. Litton representatives offered new monthly payments that were higher than the {$2100.00} that I was failing to meet, and I fell into foreclosure. The mortgage at some point shifted from Litton to Ocwen, my financial situation remained unchanged, and I tried, without success, to obtain a loan modification. No i 'm trying to enter into mediation to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX AND AOriginal creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX representative came to my house and sold me a vision security contract. 
Their representative wrote on the contract that I would get1. Lower rate than my current provider2. One month free3. XXXX ( {$50.00} ) referral for my neighbor ( see attached ) When I did not get them, I faxed a desire to cancel ( see attached ) Complained to the BBB XXXX see attached ) Never were reimbursed for overlapping fees for XXXX security companies, as they advised the BBBComplained to the State of Utah XXXX see attached ) They never cancelled the contract and still holds me for the debt of the contract as if I had not paid for the entire XXXX year term!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2016 about Payday loan () with Midwest Recovery Systems (IL).
Issue: Can't contact lender

Complaint: I received an alert from XXXX that Midwest Recovery Systems placed a negative item on my credit report. When I called them, they said I took out a loan from XXXX XXXX XXXX in XXXX of 2011 and that I owe {$660.00}. Midwest Recovery Systems did not send me a letter about this debt before this negative item was put on my credit report. In addition, I do n't remember taking out this loan. Also, Midwest XXXX XXXX is not licensed to do business in XXXX Illinois, so the loan is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I tried to pay off my student loans through Navient. I went through a 3rd party called XXXX and they told me that they would help me pay XXXX $ a month within 5 months to pay off my loans.

Company response to consumer: Closed with explanation