milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (OK).
Issue: Fraud or scam

Complaint: sent money to a security company money, through western union they say it was received or was picked up but not to the person sent to did n't receive it the only solution they could come up with was western union got hacked and stole it

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification in latter part of XX/XX/XXXX with Wells Fargo Bank. I received a letter dated XXXX/XXXX/2015 from Wells Fargo stating that they have received my application for a loan modification and to keep in mind additional documents may be needed. 
In a letter dated XX/XX/XXXX from Wells Fargo Bank were a list of conditions they had received and conditions which were still outstanding, all due by XX/XX/XXXX. How then do I have a Foreclosure Sale date for XX/XX/XXXX? This is clearly blatant dual tracking and Wells Fargo should be called on this violation of the California Homeowners Bill of Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Application, originator, mortgage broker

Complaint: I have received a " Loan Estimate '' from a lender, as shown on your website : http : //www.consumerfinance.govXXXX The lender is including {$3800.00} under the " Adjustments and Other Credit '' in the " Calculating Cash to Close '' section ( show on page XXXX of ever Loan Estimate ). 

I called them and asked them what it was and and they told me that you required them to disclose it, and it is extra tax money they pulled from a data base. Is this true? What can be included in the " Adjustments and Other Credit '' area of the Loan Estimate? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After being in deferment for quite awhile, because of trying to pay off my wife 's student loans, I have started the process of trying to stay up on payments to Navient. I was on the Income Based Repayment plan and at one point was paying XXXX when they were still XXXX. Since transferring over to Navient I went into deferment again, for a year. I am currently trying to get back on a payment plan but my IBR payment is an unmanageable XXXX+ dollars. I then had to search for a another payment plan ( which seemed very difficult to find ) called the Income sensitive plan. I submitted paperwork that they seemed to drop the ball on and when I called later about the paperwork, they quickly told me that if I made any kind of a payment that day then I would automatically be enrolled in the ISB plan. I gave my information over the phone and seemed to get disconnected. They never called back and never took out the money. There was no phone call back and as a result I kept getting notices about my late payments under the XXXX+ IBR plan. I called them back to see what had happened ( about a week and a half later ) and they could n't remember my paperwork until I told them the dates it was submitted. They then told me that the person I spoke to who told me to pay any amount of money so I could get in was mistaken and that I would have to make a full payment of my original loan payment amount ( which is XXXX+ ) dollars and that I would automatically be enrolled in the ISB repayment plan that day. I told them that I could n't make the payment that day and would try to get that money together. If I ca n't make a XXXX+ payment then I know I ca n't make a XXXX+ payment without severely crippling my monthly income. I have XXXX daughters ( XXXX in college ) and it just seems that there can be something else done that 's easier and does n't require a huge down payment. It was n't that difficult to get into a payment plan before.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Problems caused by my funds being low

Complaint: I got divorced from my ex husband because he was n't good at money and he was XXXX. So after the divorce was final i paid and settled my account with XXXX debt collection agency. And i requested that i get a receipt showing i paid it. I had called US bank after that asking what was going. They did n't show anything on the account with the local branch and the customer service line. XXXX told me to call the recovery dept to see if i owed anything. And sure enough XXXX said i did. I do n't see how this is fair because the debt is paid off and second they should of communicated to XXXX about the account before having people call me and cause XXXX on me and my family. Well on XXXX XXXX or XXXX i received a harassing phone call from XXXX. XXXX told me i need to tell him if i am going to pay it or not. And if not then he will take me to court. Was n't friendly at all. So i was scared and cried after that. Poor service

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 Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I discovered that my mortgage servicing company records indicate that I am ahead in mortgage payments. I never intended to " pay ahead '' but have paid money in excess of the minimum payment to be allocated against principal. I requested an audit of the account and for an accounting of payments made and the allocation of those payments since the servicing company bought the account from the original lender in order to validate that payments have been properly applied. They state that an accounting was sent to me and charged {$5.00} for this service ; however, no accounting has been received. I have requested the information be emailed to me. I have called on multiple occasions and written via the website internal messaging feature. To date, I have not received the information sought. My account information on the company website shows only minimum payments received and applied to the account. The website provides only the last XXXX months of payment information, despite a feature that purports to provide XXXX months of information. I want more than XXXX months of information but do not know exactly when they took over the loan. When I call, their automated answering mechanism does not recognize my SSN which sends me into circular query until I have exhausted all attempts. After this time wasting exercise in patience, I am connected to a human who indicates my SSN is properly associated with the account. I have notified the company XXXX of this problem. The customer service representatives are clearly reading a script, are not helpful, and refuse to transfer me to supervisory personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Vehicle loan or lease (Loan) with NAFCO Finance (OR).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In   XXXX   XXXX  , my then girlfriend and I obtained a car loan together in  XXXX , Oregon. We were notified the lender was NAFCO Finance. Because my then partner had horrible credit, I was needed to be the primary borrower, even though I did n't and do n't have a driver 's license. ( I have  XXXX  relating to a   XXXX   XXXX   and do n't  drive  ) The initial loan was obtained based on her ( ex-girlfriend, her hereafter ) income, housing, as well as my income. I made a  XXXX -dollar down payment about a week after obtaining the vehicle ( which was about a  XXXX  vehicle-since I am not supposed to be too specific ). Just after that, she ( my ex ) ended our relationship, demanded I move out, stole the extra set of keys, and filed what ultimately turned out to be a baseless civil stalking claim ( it was dismissed ). I am in another city, have never driven the car, have n't had access to it, and have n't paid one payment. I have repeatedly sought refinancing from  NAFCO  and her, to which NAFCO ignored the requests and she attempted to label me as a stalker. During the civil case ' hearing, it was introduced she no longer has the same job or income or housing ... so the entire bases for the loan dissolved days after the loan was approved.   She made a number of timely payments. I asked repeatedly for any way to remove my name from the loan, since I had no real interest in it or relation to it. There was no reasonable reason to not refinance it with her ... they had my consent, and she had made payments on time.   In   XXXX   XXXX  , she was over 10 days late in paying her payment, and this adversely impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with WELLS FARGO & COMPANY (KY).
Issue: Billing disputes

Complaint: XX/XX/2014, I purchased Jewelry on the a Wells Fargo XXXX XXXX. This was a 12 months same as cash arrangement. When I received the bill, I set it up for 12 months with 2 weeks before the final due date. My account was on auto payment and was in good standing. 

Wells Fargo did not apply my last payment until after the " deadline '' date of the contract ( let me reiterate, this was on autopayment and completely in good standing. The amount sent he period was greater than what was required to payoff in advanced of the arrangement ). Believing my payment was paid in full, I did not check back until a credit alert occurred on my credit score. 

I called Wells Fargo immediately and was told the only way for me to dispute the charges was to fax or mail a letter. The letter below was sent on XXXX XXXX. I have since called twice ( with their collection agencies calling my phone multiple times a week ) and the letter is never received. Forcing me to either pay {$540.00} ( which is about XXXX % of the amount I put on this card to start with ) or get a 60 day delinquent mark on my credit. 

( The fact that my last payment was not applied for several weeks was CONFIRMED by a Wells Fargo Rep when I called ; however, he could not do anything about it. He could only ask me to send a letter. That letter was never received. ) This is a predatory practice. The fact there is no way to dispute and get a resolution of these charges short of a fax or a letter that will never be received is prove of 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 07/17/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (IL).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby Submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
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No response to our QWR and NOE request provided by the lender.
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The lender has also failed to respond to our Notice of arbitration and Lis Pendens

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/2017 I sent out a certified letter EQUIFAX which was received by them on XX/XX/2017 regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. EQUIFAX sent me a report by mail on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is a 30 day delinquency reporting on all 3 credit bureaus. I 've spoken to 2 different agents within the credit department in reference to the delinquency. They assured me that this derogatory information would be remove due to an error in the delinquency reporting. It has been over 4 months and the late payment delinquency has not been removed. I 've been an account holder with the particular company for a long time and have been in good standing until this error which was not in my part.

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 10-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with Bliksum, LLC (CA).
Issue: Can't stop withdrawals from your bank account

Complaint: I sent this via email on XX/XX/XXXX RE : Loan ID : XXXX /Revocation of ACH Credit and Debit Authorization TO WHOM IT MAY CONCERN : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. 

Please confirm receipt of this revocation, and your intention to honor it, no later than ( Monday, XX/XX/XXXX ). Confirmation may be made via email at : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Regarding XXXX XXXX XXXX Credit Card : I have been trying to receive information regarding this negative information on all XXXX credit reports for 6 months. I have filed disputes and the agencies respond as the information is correct. XXXX XXXX has been reporting sporadically over the past 18 months.It has been either an " OK '', no reporting at all or " PD ''. I have not had this card for XXXX years!. I had written XXXX letters to XXXX XXXX and received the same response. Call a number. I call the number and they tell me they no longer have access to this account! If they no longer have access, how is it being reported? They give me another number for XXXX XXXX. I call that number and the system asks if I am tracking an order???? They give me another number, no one ever answers, I leave a message and do not receive a return call. 
I called Experian directly. Explained this to the representative. She asked me to hold and she would call XXXX XXXX herself. After five minutes I got transferred to the same number I called for XXXX and am asked to leave a message!! The Experian Rep never came back on the phone. 
No one can tell me who is reporting this account to the agencies, why it is being reporting as " OK '' when I have no activity, why months go by with no reporting, and now it shows as " Derogatory '' and I ca n't find these people to find out if I owe them money, and if I do where do I send it. Also, at this point, if I do owe any monies, I would not trust the company to pay them and then delete it off of my credit reports. I am receiving the same responses from XXXX and XXXX. 
Two years have gone now since I have repairing my credit. I have completed everything that all agencies, credit companies and financial institutions have asked, and my score has gone down! I am unable to secure loans, a mortgage or credit cards. I am a XXXX XXXX XXXX male who has lived by the rules and that has not helped as I can not work any longer. 
You may contact me for any additional information you may need to complete this complaint.

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 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My name is XXXX XXXX and I 'm writing you about an entry listed on my credit report for trans union. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they do n't provide anyone with debtor 's full social security number and they do n't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I 'm requesting to have it removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from Citibank ( cbna ) and XXXX   XXXX, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do 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 non-monetary relief
Consumer complaint received 02/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I am involved in what has to be the longest re-finance of a loan ever!! I own a rental property and because of divorce, losing my job and the interest rate adjusting, I couldnt afford the payment so I applied to XXXX to refinance the loan instead of defaulting. This started in the middle of XXXX and was going along great when XXXX decided to sell the loan to SPS ( select portfolio servicing -approx XXXX ) -- this has to be the WORST company ever!!! I have been submitting the RMA since then monthly and have had to submit one section ( section XXXX ) no less than 9 times ( I am not kidding-I have the copies )!!!! I am supposed to have a relationship manager, XXXX, who never calls back or takes a week to call back -- why have one then?? Everytime I call I put in her ext. and it goes to someone else? Anyways, the problem with section XXXX is that this is a rental property and not my primary residence ( I am renting now ). I have had to send it on with the different boxes checked, my primary home address, mortgage payment and HOA payment -- did I mention I am renting now? Everytime I call there is a new customer service rep that says send it in this way after talking to underwriting and EVERYTIME when i call to see if they have received it, there is a problem??? I have asked to talk to underwriting numerous times but they dont take calls?? So here I am almost 2 years later and no closer to refinancing?? I just want to know if they are going to approve this or not so I can tell my tenants what they need to do, or if I can short sale it, or just have them foreclose on it?? At this point I am considering the later but really dont want to do that. I need help with this so called company and let me know if underwriting is ever going to get its act together and make a decision????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Bank of America checking account XXXX XXXX with a promotional offer of earn {$300.00} after direct deposits totaling {$4000.00}. I directed by tax refund and employer direct deposit into the account during the promotional period totaling over {$4000.00}. 

I called in a few months after and a BofA representative assured me that all the requirements were met and that I simply had to wait for the bonus to be deposited to my account. 

In XXXX XXXX I had still not received the bonus so I called in, at which point BofA XXXX informed me that I was denied the bonus due to my tax refund not being considered a direct deposit. There was nothing in the fine print that excluded the tax refund from qualifying.

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 10/21/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job XXXX 2016. Was on unemployment. In XXXX I contacted US Bank mortgage advising them of my job lost. Had problems back then getting anyone to return calls. Had to file complaints with anyone I possibly could. I finally filled out paper of a reduced mortgage payment plan and was approved thru loss mitigation in XXXX XXXX XXXX Was suppose to be able to start with no payment in XXXX 2016. Receiving bills stating I am late on my payments now and need to pay {$900.00} plus dollars to avoid foreclosure. Have tried contacting my case manager XXXX several times. We played phone tag. Now I am not getting any return calls from her or anyone at US Bank. Left messages XXXX XXXX 2016 for XXXX and on the main phone number. Also wrote Us mortgage on XXXX XXXX XXXX am tired of dealing with them. This is my home we are talking about. They do not want to work with me. Which is very wrong!

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 08-12-2015 about Mortgage (VA mortgage) with AMERICAN PACIFIC MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: My Husband and I have entered into a contract to sell our home. We accepted an offer and relied on the information that the party was prequalified to purchase our home. The mortgage broker for the buyer did not perform due diligence and verify that they qualified for the loan prior to closing escrow. The day escrow was to close they found various red flags and now we stand to loose out on our deposit on the house we are trying to purchase. There must be remedies for this in regards to companies that prey on people and do not follow through.

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