milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (GA).
Issue: Trouble during payment process

Complaint: I am a XXXX Vet and in XXXX of XXXX, the VA truncated my benefit check. I could not keep up with my monthly obligations. After falling behind on my mortgage I was afforded a loan modification by the Money Source who held the mortgage. After filling out the XXXX loan application numerous times, I finally met there expectations and the paperwork was approved. 
My new mortgage went from XXXX to XXXX and my loan was split up into XXXX separate loans, XXXX for XXXX and the other was for XXXX due at the end of XXXX years. This was in XXXX or XXXX of XXXX. It is XX/XX/XXXX and I have been told that I have incurred an escrow deficit of XXXX and my mortgage payment has risen to {$1000.00}. until the deficit is caught up. 
Having called on this issue several times ( XXXX ) my experience has been once I got a rep to answer the call ; I was transferred several times to different departments and for now ; it was the bankruptcy department, because I am currently in litigation. After talking to XXXX of the agents on the subject ( Escrow Deficit ) I was placed on hold and them the line went dead and no one follow up with a call back, even though the rep required me to give them a call number in case we were disconnected. 
It is my thoughts that there is gross mismanagement and misconduct going on with this company and how they handle our escrow accounts. Between XX/XX/XXXX and XX/XX/XXXX, I have only missed XXXX or XXXX payments ; XX/XX/XXXX through XX/XX/XXXX. I pulled up my transaction history ( mortgage payments made ) and I made XXXX payments that {$240.00} ( {$3900.00} ) went to escrow from XX/XX/XXXX to XX/XX/XXXX. From XXXX to XXXX nothing was added to escrow even though I was making mortgage payments. XXXX to XXXX of XXXX, I made XXXX payments of {$720.00}, to qualify for the loan modification. 
From the period of XXXX through XXXX of XXXX The XXXX XXXX made transactions that are unclear. My previous mortgage was modified from XXXX to XXXX separate loans ; XXXX for {$87000.00} for a XXXX year period and {$35000.00} was due in XXXX lump sum at the end of that XXXX year period. 
After going through all that the Money Source required of me and missing only XXXX to XXXX payments and paying into the escrow account as I did ; I find it very hard to believe that in a two-year span having paid out only {$930.00} for the first years taxes and {$1500.00} for the second years ' taxes that I incurred an escrow deficit. Something is very wrong with this company. 

I find it very difficult to believe that after paying a little over XXXX years of mortgage payments and missing XXXX or XXXX and The Money Source only paying out {$930.00} for the first year and {$1500.00} for the second year ; that I am in a deficit of over {$2000.00} and they want to XXXX my payment up from {$700.00} to {$1000.00}. to cover this so-called deficit. The Money Source has gotten over {$7400.00} in escrow from me and has paid out about {$2500.00} for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I called Wells Fargo XXXX X XXXX and attempted to get information regarding " how to remove myself from the FHA Caivrs reporting system ''? I Filed XXXX BK in 2009 and WF has not foreclosed on the property nor has a foreclosure date to note. My info should not be associated with the FHA CAIVRS reporting as I was relieved from the obligation of debt via BK in 2009. I had the pleasure of speaking with XXXX in the Home Preservation Dept who engaged XXXX/Mgr to assist. XXXX informed me that they were going to set up a call back for tomorrow as the dept i needed was closed. XXXX/mgr then gets on the phone ( nasty tone ) to say no, you can send in a written request via fax # XXXX of your dispute ( as if my verbal is not being recorded ) and someone will get back to you in 7-10 days. He also attempted to give me a mailing address ( really in this day and age )? So I proceeded to call back and speak with XXXX, my original target who was nice at first, said he would give me the number to call in the morning, puts me on hold and then comes back with the same nasty script that XXXX/Mgr had clearly given him. I thanked him for his non assistance and hung up. Wells Fargo needs to be held accountable for damaging the economy and for simply being rude to their consumers.

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 05/16/2015 about Debt collection (I do not know) with Guglielmo and Associates (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Company filed for judgement and the garnished my bank account without notifiying me of the orignal debt, court procedings or intenet to garnish my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit card () with CITIBANK, N.A. (IN).
Issue: Unsolicited issuance of credit card

Complaint: I am continuing to receive information from Citi despite cancelling the account several months ago. The account was closed in good standing and balance is paid in full. My complaint is the following Citi is violate federal privacy laws by maintaining my personal information in their company database. 
Citi and their affiliates continue to harass me by sending spam postal mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I ordered a XXXX dollar 7-day trial. I was then charged XXXX for a 3 score product. I never said yes to this charge or authorized this company to charge me for this product.

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 01/18/2017 about Money transfers (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Fraud or scam

Complaint: On XXXX XXXX, XXXX, I wired {$8600.00} to a Capital One 360 account. It was posted XXXX XXXX, XXXX but the receiver advised me that Capital One wanted me to request the money be returned to my account. I submitted a letter to my bank and they wired it the same way the money was wired. I have been in contact with my bank and Capital One since then trying to get my money returned. During this time, I have learned that the recipient has a history of wire scams that I was unaware of. The last correspondence was on XXXX/XXXX/XXXX with Capital One. Their representative told me that no one had access to the money and Capital One was still looking into the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon checking my credit report I noticed that XXXX XXXX as well as XXXX XXXX XXXX has place an inquiry on my Experian Credit Report. This inquiry is not my inquiry. I have contacted Experian in hopes to remove this inquiry but was told that there are not allowed to remove any inquiries. I stated that this inquiry is not mine and I have no knowledge of this company. Per section 604 in the FCRA, I am demanding Experian remove this inquiry that has been added to my credit report immediately. Please kindly provide me with Permissible purpose, Proof that I as the consumer initiated the inquiry and written authorization per the FCRA section 604.

Thank you in Advance,

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 10/31/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed inaccurate information with XXXX since XXXX when I filed a counter lawsuit against them. The case was settled in XXXX. However, XXXX continues to intentionally report inaccurate information. The attorney representing XXXX is XXXX, ( letter attached ) and I have sent them XXXX dispute letters as well. The first dispute letter sent to XXXX once they took over the account from the previous debt collection attorney whom I litigated the case with was emailed and e-faxed on XXXX XXXX, XXXX. 
However, I have disputed this account to XXXX and all three credit reporting agencies since XXXX. XXXX sent me a partial response showing the information on my credit report is inaccurate date of last delinquency is inaccurat and according to the statements they sent me, there were no payments made in XXXX, XXXX or anytime after, yet they continue to report a payment in XXXX. 
The information is not the same as what XXXX verbally told me over the phone, which was they did not have a recorded payment received in XXXX. Per the FCRA the collector is required to report accurate information. I have now been denied a loan due to the inaccurate reporting by XXXX. 

AdditionallyXXXX XXXX has been reporting inaccurate information which I also disputed several times. XXXX did not follow CA law in order to collect a deficiency balance ; XXXX did not send me a notice about the location of the auction, did not allow me the opportunity to reinstate my loan as required before the creditor can collect a deficiency balance. XXXX only removes from XXXX credt report at a time only upon my dispute, they should report accurately to all credit reporting agencies, no just remove one at a time only when specifically disputed if they are removing from one credit report they should report accurately on all credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I disputed this account on my credit report with XXXX XXXX and I was informed they no longer have my account. Now the account says in repossession and the car was repossessed over a year ago and the account was closed. The account now says open and is now reporting late payments from XX/XX/XXXX as if the payments were due XX/XX/XXXX. The information is inaccurate and false and damaging my credit  report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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 disputed an account on Transunion. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of Transunion, and XXXX. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX. XXXX says not until XX/XX/XXXX and  Transunion told me XX/XX/XXXX. I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.

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 06/17/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The FCRA Guidelines specifically states that it prohibits incomplete or inaccurate information from being reported on a consumers credit report. Doing so constitutes grounds for removal. The Law needs to be followed and enforced. I have wrote this company and faxed information on several occasions regarding these particular accounts listed in this letter. 
XXXX. XXXX XXXX XXXX : This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX. XXXX XXXX XXXX XXXX This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX. XXXX XXXX XXXX : This account is/ was in my ex-husbands names, but it is in my credit file therefore deeming it " '' inaccurate '' '' which constitutes grounds for removal. 
XXXX XXXX XXXX {$280.00} : A collection account can not be open or go into collections " inaccurate '', " incomplete ''. I have contacted the original creditor and they can not find any account of the sorts in their system. 
XXXX. XXXX XXXX, Opened XXXX : This account was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX XXXX : This account is a charge off or collection. A collection or charge off can not be an open account. A collection or charge off can not go into collection or charge off. A charge off and collection status it just that. It is reporting as an open past due account which is illegal under FCRA guidelines in turn deeming it as " incomplete and inaccurate '', which constitutes grounds for removal. 


FCRA states that if you have previously initiated a dispute or an investigation and do not receive a complete or satisfactory resolution that you may dispute again and the company must respond in XXXX days after receipt of the XXXX notice. This is their XXXX notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Auto debt) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Have not responded to two debt validation letters I sent via certified mail in regards to providing proof of my original wet ink signature contract and not a photocopy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Other debt) with I.C. System, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested internet services from XXXX on XXXX XXXX, XXXX. The technician scheduled to set up the internet services at my residence never showed up during his scheduled window of time, nor did anyone call to reschedule. I never received the hardware that was part of my internet services requested because the technician never came. A bill was received dated XXXX XXXX totaling {$110.00}, I did not pay this bill because I did not receive the internet services. I called XXXX to explain the situation and close the account, as services had not been rendered. I explained that I would not be paying the bill dated XXXX XXXX and wanted to close my account. The person I was speaking to could not cancel my account themselves, apparently, so they transferred me to the account cancellation department. As soon as I was connected to a representative in the account cancellation department, I was hung up on. For personal reasons, I moved out of the residence I requested internet services for during the first week of XXXX XXXX. I received a bill dated XXXX XXXX totaling {$190.00} and called XXXX again to officially cancel the account, as my first conversation with them did not result in cancellation. The account was officially cancelled with XXXX over the phone on XXXX XXXX, XXXX with the balance owed being {$0.00}, confirmation # XXXX ( I have a record of one version of the cancellation confirmation number being # XXXX ). I received another bill dated XXXX XXXX totaling {$190.00}. I called XXXX Customer Service again to confirm the cancellation and that no amount was owed. I received yet another bill dated XXXX XXXX totaling {$300.00}. This time, I determined that calling representatives was not effectively clearing the account balance and stopping the bills from being sent. I wrote a letter dated XXXX XXXX ( photo attached as a file to this complaint ) confirming the sequence of events, my account number, and my cancellation confirmation number. I detached the portion of the bill you are supposed to include with your mailed payment, included it with the letter I wrote, and mailed both to XXXX. I received a letter from I.C. System, Inc., a debt collecting agency, dated XXXX XXXX, XXXX requesting that I remit payment for the amount of {$300.00} with XXXX being the creditor. I will send a letter on XXXX XXXX, XXXX to I.C. System, Inc. to request verification of the debt and that they contact me no further, outside of debt verification, while I dispute the debt. I am submitting this complaint today ( XXXX XXXX, XXXX ) in an effort to get all parties at XXXX on the same page, so that I no longer have this " debt '' for services not rendered.

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 12-04-2015 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: Complaint against Wells Fargo BankOn XX/XX/2015, I had a cashier 's check for {$2400.00} transferred from my Wells Fargo Account to another Wells Fargo account in another state. Fifteen minutes after the transfer. I discovered that this was a scam. The scam involved my granddaughter going to school in another state, being involved in an auto accident, and needed money immediately to get her out of jail. My granddaughter was supposedly in the accidentXXXX, so her voice at the other end was sounded like my granddaughter. I was still in the bank branch when I was made aware of this scam immediately by hearing directly from my granddaughter that she was well. I notified the bank manager immediately. He checked the account and noticed that it was a cashier 's check that was to transfer the funds. I was told that the funds would not be transferred until midnight. I also discovered that the scammer 's account was only opened up 2 days prior to the scam. The bank manager had me obtain a police report and when I returned, he called the fraud department at Wells Fargo and a hold was placed the scammer 's account on that date. The police told me that this type of scam was well known to them and that account will be closed after the funds are deposited. The hold on that account was in place until today XX/XX/XXXX, when the scammer closed the account and a cashier 's check was mailed to the scammer. The bank told me they had to send the funds to the scammer when the account was closed because they would be concerned of a legal quagmire from the scammer. 

I have been checking with the bank branch, almost daily, to find out the status of the claim that was filed by the bank manager with the Wells Fargo bank fraud department. I have been a customer with Well Fargo Bank since XX/XX/XXXX. I have never had a problem with Wells Fargo before. I feel that the bank dropped the ball and did not do what it is required of a bank with a claim that was filed. I doubt if the claim was even investigated. If I did not call on a regular basis, I would get a progress of their investigation of my claim. When I found out about the check being sent out, I called the Wells Fargo Executive Office and complained about this action. I feel that Wells Fargo is liable for sending out the funds and did not notify me properly of the progress or the results of their investigation. I also do not believe that Wells Fargo did anything to protect me as a customer and I am filing a claim about Wells Fargo under the Regulation E. 

If you need additional information concerning this complaint or need my account number, please let me know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation