milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: previous complaint.    XXXX  Hello, as per previous complaint. I have tried again to get my account unlocked.  Wells Fargo s till insists I go to branch to close it.   I also contacted  XXXX   XXXX  as per last complaint. left message but no callback.     I then asked as advised in previous complaint to just close the accounts over phone but  Wells Fargo  still wants me to go to the branch.   as I have stated I am  XXXX  and am unable to go. They are required to close my account over the phone but insist they do not have to and want me to go to branch and that is only way to close it.   Is this how any company should run a business? This will be my last account with  Wells Fargo . period.     Please have them close my saving account and send me certified check for balance to my address on record..   I am done with this bank.     Thank you,  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX after reviewing my credit report I noticed that there are several inquires that do n't belong to me.
XX/XX/XXXX I called Transunion asked to speak with a US representative and requested that they remove several of the incorrect inquiries. Several different reps ( as I called various times ) advised me to contact the credit company itself to have the inquiry removed ( since they stated they could not do it ). I spoke with a rep from XXXX XXXX at XXXX and she advised me to contact XXXX XXXX XXXX directly at XXXX the rep there advised me that they have no record of me applying for credit and that I need to contact Transunion with this information. I called Transunion to advise of the XXXX findings and they still refuse to remove the inquiry from XX/XX/XXXX ( there is one that they sent to XXXX XX/XX/XXXX) because its over 6 months old. The Transunion rep stated that I should contact CFPB and issue complaint against XXXX  but my issue is with Transunion not removing the inquiry from their 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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX I received my credit/consumer report back from Onsite regarding an apartment that I had applied for. After receiving the report I noticed that their were traffic violations over two years old being reported, not even my tickets, along with a Bankruptcy that did not belong to me. The traffic tickets belong to my XXXX mother as well as the bankruptcies. I did not submit my social security number when I initially applied, so I submitted my identification along with my social security number to get the traffic violations removed along with the bankruptcy. Neither was corrected nor removed from my consumer report after I sent in the information to prove that those items did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am in a HAMP and just received my first escrow analysis in 4.5 years. It has raised my payment by {$330.00} a month. I feel that I should have been notified yearly to any shortages and allowed to stay current with a small increase and not hit with a huge increase all at once. I entered a HAMP so I could stay current on my home and feel I was lied to by the company not notifying me of the yearly increases which were not large, but after 4.5 years have added up to an unfair increase. Also, I feel they never put the proper amount into Escrow to start.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called and sent transunion a letter about Inquiries that does not belong to me. Transunion was so rude and disrespectful to me. they stated I needed to call all the compaines and request them to be removed. I did that but the companies sent me back to transunion. Here is the list of Inquiries that does not belongs to me. their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX   XXXX  XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX   XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I submit a previous complaint ( XXXX ), the company respond to you, but I 'm not agree with their answer. 
According to their letter they reclassified a deferred interest into a deferred principal without my authorization, and as far as I know is illegal to do any modifications to a mortgage without concert of the owner. 
I did a modification back in XXXX XXXX, XXXX with XXXX ( original lender ), the mortgage has been sold 3 times now. I have a letter from XXXX dated XXXX XXXX, XXXX XXXX 3 months after the modification ) where they say that my PMI was supposed to be removed back in XXXX/XXXX/XXXX where a XXXX XXXX XXXX took place. 
Now this company apply the deferred interest as part of my principal balance, raising the principal from XXXX  XXXX thru $ XXXX. They want to keep making additional XXXX a month in PMI. Every time that I request documents to them, they ca n't submit anything to me. I called at least XXXX times requesting the modification paperwork, every time they give me a 5 days to send me the paperwork. Never received anything from them. Very bad customer service, very rude people with their clients. Still waiting for the next day phone call from one of their supervisors in XXXX at XXXX ( XXXX XXXX XXXX. He was supposed to called next day to give me an explanation about my case. 
I need you help with this case. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE ().
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I requested a reduction in my mortgage interest rate about two years ago as I was paying and still paying 6.875 %. My mortgage was initially with XXXX XXXX XXXX in XX/XX/XXXX. 
The mortgage was switched to Nationstar around XX/XX/XXXX. This was done without my agreement. I have tried on several occasions to re finance my mortgage to a lower rate. In addition I have been invited by Nationstar to contact them regarding refinancing. On each occasion my request was rejected on the grounds that I did not possess a SSN. In addition I was prevented from gaining access to my account as I did not have a SSN. I reported the problem to a number of SSN on line managers and on each occasion I was told that new restrictions in the law prevented them from assisting me. I have tried to get accesss to their senior management and to no avail. I understand this company is a debt collector and as I have never faltered on my payments to XXXX initially nor to Nationstar as I have sufficient earnings to pay my monthly sum. I am at a loss as to why I do not have a right to gaining a lower rate. My credit ration is excellent and I have sufficient liquidity in the mortgaged condo to ensure I offer no risk to my creditors. In addition Please can you assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My bank is Wells Fargo. On XX/XX/XXXX, I made a XX/XX/XXXX mortgage payment by bill pay of {$3000.00}. I did this without knowing that my wife set up automatic withdrawals for the mortgage payment. The payment posted and as a result the XX/XX/XXXX mortgage was paid. The following day, Wells Fargo withdrew XX/XX/XXXX payment of {$3800.00}, thus putting my checking account {$2800.00} in the red. After repeated calls and internal transfers, the Wells Fargo claimed it could not replace the funds or reverse the transactions because they ( people XXXX were not allowed to intervene. As of this writing, my account remains in arrears. I am told it could take another 4 days to resolve, but in the mean time, I am unable to access cash, and other automatic payments are being kicked back thus resulting in further fees and aggravation. Wells Fargo is the worst bank in the world!

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 07/28/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a bankruptcy in XXXX XXXX and it was Discharged in XXXX XXXX. Items are only supposed to remain on credit from 7 years after date of last payment, which is has been. This account should have fallen off of my credit report after XXXX XXXX, but it is still reporting on XXXX. Also, Seterus sent an update to my credit file in XXXX XXXX, which is against bankruptcy laws because they are further damaging my credit after my bankruptcy discharged. This is preventing me from obtaining financing and I have called Seterus to try and resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: On XX/XX/2017 through XX/XX/2017 I paid for a hotel room at XXXX. After I got my invoice, I saw unforeseen charges that were well over what the room rate was ... I basically got charges that were sent to the room. With that said I was not there on the premises to enjoy these room charges ... Clearly the merchant should have not authorized any charges that were sent using the room, if the main person was not there. I also did n't know that you could charge to the room. Also the room charges had signatures not of my own, so they were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Trouble during payment process

Complaint: Ocwen has misapplied some funds on my account and now they are returning all my payments that i try and send saying that im not paying enough to reinstate the loan I have provided proof of all payments and asked for a corrected reinstatment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 I put check in the my checking account the check was issue to my brother at the time and in was from prudential company. I used the ATM to put the check in I know he was not on the account that not the problem. Couple of days later I get the check back in the mail but it was not the original check it was copy of it. I have made phone calls and wrote letters asking why did the original check was destroyed. PNC destroyed a XXXX dollar check that the person who was not a PNC Bank customer. I would to know from them why they did that and not give the original check. I have been on the with customer service and went to the PNC with no answers. I would like copy of there policy about destroyed XXXX dollar check. The check was deposits in the account and withdrawal on the sameday.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Citi Bank through Bestbuy have charged me a total of {$41.00} in four different charges on XX/XX/XXXX {$2.00}, XX/XX/XXXX {$13.00}, XX/XX/XXXX {$12.00}, and XX/XX/XXXX {$13.00} for debt protection. 

They previously were required to refund me over {$150.00} for these same charges in XX/XX/XXXX when the CFPB required they reimburse {$700.00} XXXX dollars and pay a fine of {$70.00} XXXX. 

Citi Bank continues to add these unwanted and non-requested services to accounts. 

I spoke with them today and they claim i signed up for this service in XX/XX/XXXX and claim to be sending me a signed form. 

They also stated they would cancel the service and refund my money.

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 06-06-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (ME).
Issue: Trouble during payment process

Complaint: Over  one year ago I contacted the mortgage company to find out what we had to do to get the PMI removed from our mortgage. They would not even give me any information and said they would mail me the information I needed. They sent out refinancing applications. I do not want to refinance the mortgage I just want to stop paying PMI. I have over 35 % equity in my home and my PMI should have been removed after having only 20 % equity. I called them again 2 weeks ago and  they still said I can not talk to anyone about this issue and they will mail me information. To this day, I have not received any information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I was charged for a transaction that of {$740.00} on  XXXX / XXXX /  XXXX   from  XXXX   XXXX   XXXX . I disputed this transaction as unauthorized to my credit card company  Chase . In their dispute process I have provided them documentation that states the charges where charged to another credit card from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card. I have been reapplied the unauthorized charges. I find th at Chase has  done very little to protect me as a consumer. I have a valued client for over 25 years and a  XXXX  senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: A Colorado company named Specialized Loan Servicing is managing my home loan. The calculations that they used for the escrow account are wrong. Being as such they want me to send in more money every month to cover their falsely calculated impound account. Every month. I have made my monthly payments every month. Today via a phone call I was informed that they will not apply my last payment because it was not paid in full. This will inevitably cause a " Notice of Default '' action to occur. 

In the past ( XX/XX/XXXX ), I had sent Specialized Loan Servicing documentation showing the correct information that is needed to calculate the proper property tax amount. I was informed that they did not receive that information. 

Can you assist me in helping Specialized Loan Servicing understand their errors and calculate the correct mortgage payment?

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 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Perfection Collection (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The account was originally in collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. The account was reported as date opened XXXX and first reported on XXXX. I disputed it on XXXX/XXXXXX/XX/XXXX and the collection account was deleted from my credit report followed by a confirmation letter from the credit bureaus dated XXXX/XXXX/XX/XX/XXXX, they are Reporting old debts as new or re-aged. 
I recently noticed the account was added back but now reported by Perfection Collection and illegally reported as account opened in XXXX and first reported XXXX as well as misstating the balance due. I have done numerous disputes to XXXX and they refuse to update it and tell me contact the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was an authorized user on XXXX credit cards with Capital One, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: In XX/XX/XXXX, my Citi XXXX Credit card was charged a {$95.00} annual fee. I called Citi and asked to cancel the card. They provided a retention offer, saying that if I spent $ xx on the card in a certain amount of time, they would waive the annual fee. A couple weeks later, I could not remember what the offer had been that I needed to complete, so I called citi back to ask what I needed to do. The representative shared with me that I needed to spend {$95.00}, and I did so that same day. A month later, when the annual fee had not been refunded, I called Citi to inquire why it had not been refunded and I was told I had not made the charge in the required timeframe. I shared that I had called Citi the same day I made the charge and had been told at that time that the offer was still valid. Citi still refused to refund the annual and said they would need to go back and  listen to the call history, which might take up to 30 days. I informed them that would not be paying until they called me back with the resolution on the dispute. This dragged on for 3 months, and I was not provided a resolution until XX/XX/XXXX. Citi did at that time refund the annual fee and the late charges due to their error, and I paid the full account balance at that time. Citi refused to let me dispute the derogatory credit reporting.
Two months later, I have tried to use my card and was declined multiple times, I assumed my card was expired or something. I called Citi to have a new card sent, and was told that my account was closed, prior to my discussion and resolution with them in XX/XX/XXXX. I was never sent a letter informing me of the account closure. They also stated that I would have received a letter in my online banking and there is no such communication there. The person I spoke to for over an hour who refunded my fees also never informed me that my card was closed. Additionally, I have had a credit balance on my card for two months now, and despite the fact that the card has apparently been closed for almost three months now Citi was simply holding on to my money, instead of sending me a check for my balance.
Citi clearly violated regulations in not sending me notice of account closure, they also should have sent me my credit balance, however my primary concern is the derogatory credit reporting that Citi reported, despite the fact that there was on ongoing dispute regarding the charge on the credit card that was not paid. Citi dispute # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen in 2009 and this account, along with a few others, was opened. From what I can see on credit report, the family member who stole my identity was making payments on the account until he was put in jail. I have not benefited from this account nor have I used it. I would like the account removed from my credit bureau 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