milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX XXXX ( XXXX ), and my wife 's name is XXXX XXXX XXXX ( XXXX ). We have worked hard and paid our taxes all of our lives. My wife XXXX and I have had a rough time for the past few years, health-wise and financially. We have tried repeatedly to get help for our situation. 

Over 2 years ago, we applied for a program called KEEP YOUR TENNESSEE HOME. We have been on the list until XX/XX/XXXX, when we were told they had run out of money. 

Next we tried the REVERSE MORTGAGE program. Although I am XXXX, we could not use this program as my wife is only XXXX. 

Then we turned to our banker WELLS FARGO for help. We do not make enough money to qualify for their REINSTATEMENT PROGRAM. Since I am recently laid off my job, I then applied for their UNEMPLOYMENT PROGRAM, but we make too much money for that one. 

I have just received a foreclosure notice on our house. I will need to give you some background so you can better understand how we got to our present situation. 

In XX/XX/XXXX, I fell victim to XXXX. I would suffer XXXX XXXX over the next 2 years. XXXX would XXXX me for several days. XXXX would require XXXX. XXXX would hospitalize me and nearly kill me. This left me unable to work and on Social Security XXXX. 

About 30 years ago, XXXX came to a halt at a stop sign, but the car behind her did not. Since that time, she has had over XXXX XXXX, including XXXX XXXX. She has been unable to work since, XX/XX/XXXX. 

In XX/XX/XXXX, we took in a little boy named XXXX XXXX. He was XXXX years old at the time. His parents are XXXX and are XXXX. XXXX is XXXX years old and we are in the process of getting legal custody of him as there is no one else to care for him. 

My wife applied for SOCIAL SECURITY XXXX over 2 years ago and we are now waiting to hear from a federal judge on this matter on XXXX XXXX. If all goes as our lawyer says, my wife should get her XXXX then and possibly 2 years back pay which should be more than enough to clear up our finances. The problem here is it looks like WELLS FARGO, and the foreclosure lawyers are not willing to wait that long. 

Our mortgage holder, Wells Fargo, has just notified us that they are about to begin the foreclosure process on our property. As you can see, we have had a few rough years and desperately need help. Any other advice or help you can give us in this matter would be deeply appreciated. Is there any way that we can get help on this? Please keep us in your prayers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX TN XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I submited a written dispute to the credit bureau and they stated the creditor has verified the accuracy but they have not showed proof of verification. I also have paperwork showing that the information they verified is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (WA).
Issue: Application, originator, mortgage broker

Complaint: This may or may not be the right place for this complaint, but let 's give it a go. 
I placed my home up for sale. A buyer financing through Quicken Loans was interested, we agreed at a price and the process was on. Inspection went fine, XXXX appraisals were required due to selling price. The first appraisal came in at selling price. The second appraisal was " cancelled '' after it was made ( we believe that it matched the previous assessment ) and a XXXX appraisal was requested by Quicken Loans, less than 2 weeks to closing date. The XXXX appraisal came less then the selling price, and that 's just what Quicken Loans wanted. To me, it seems like Quicken Loans is forcing the seller 's price down as to minimize their " risk ''. The buyer is a physician, with real estate assets out of state, and a solid financial background. 
Both seller and buyer were packed, had made financial commitments, and then this. 
The net was a loss of {$50000.00} to the seller from the agreed price, and additional funds added to the down payment by the seller. Quicken Loans tactics are unethical, in my humble opinion. As a result of this transaction, I personally warned every person I know, whether a seller or a real estate sales person, to decline any offer that will be financed by Quicken Loans. Needless to say, the real estate agents involved, are doing the same. Maybe the the Feds can look into Quicken Loans 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Making/receiving payments, sending money

Complaint: HiI live in USA and While applying for a job online. One bad day I received a call from so called XXXX from unknown number and taken my interview. Post that they mailed me job contract which I sent them back signed. The job was for a XXXX company based in XXXX, XXXX named XXXX. The job mentioned was of a sales and payment coordinator in which I have to collect/receive payment from the customers who are willing to avail travel services of the company mentioned and will pay on behalf of the services they enjoyed or intend to enjoy. Since the company does n't have office or branch in US they are recruiting such agents like me for collecting the payment. 
One day I received a mail via XXXX at my address containing a check of XXXX/- USD of XXXX XXXX XXXX on which my name was written as a beneficiary. Immediately after I received a mail from company 's head agent who was suppose to be my manager named XXXX XXXX stating that I need to deposit this check in to my account and after deduction of XXXX % ( e.g. XXXX/- USD ) have to send the balance money to some address in XXXX via XXXX. I forgot to tell that according to their job contract I shall be paid USD XXXX/- a month as a salary as well XXXX % of the commission of what ever the payment I collect. The tax and other IRS and legal expenses will be born by them. Considering this offer a lucrative one I accepted and as a first task I received this check of XXXX/- USD which I deposited in to my wells fargo bank 's checking account. While going to withdraw the balance amount ( XXXX % after deducting my so called XXXX % commission ) on next day in to the bank I came to know that the check could n't be cashed because it 's a forged one. That 's fine but additionaly the bank has close my account and debit/atm card saying that I am no more be able to use or bank with wells fargo bank not now nor in future as my banking relationship with the bank is ended because of this forged check I deposited but not cashed or withdraw. I became a victim of someone else 's forgery but I am punished by closer of my account. I spoke to bank manager personally as well to customer services and also to their fraud department. They all refused to re-activate my account saying because of this forgery your account is permanently closed and better you find some other bank to deal with not well fargo. 
My concerns and the help I seek from you are as follow ... 
1 ) Can bank close my account in such case/2 ) Can they re-activate/reopen my account considering me a victim of forgery? 
3 ) Do I be considered guilty in such case? How? Since I am not the culprit but a victim? 
4 ) Will this incident reflect bad in my back ground check? 
5 ) Will this be effect any thing adverse or bad on my credit score? 

Please help me answering this.. 
Thanks a lot in advance. 
Rgds, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Account is with Wells Fargo and since XX/XX/XXXX of 2016 I have been charged over XXXX in overdraft fees, however accordin ti their written policies a majority of the fees should have never been charged in the first place, upon doing a detailed review of the account it also revealed that the overdraft fees are a huge reason as to why my management of my account was so poor. 

Wells fargo stated verbally on several occassions that they have no set time that you can make a deposit to cover an overdraft before you are charged the fee however in their own documents it states differently.

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 01/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This complaint is geared more towards Experian but all XXXX bureaus fail miserably My complaint is at Experian for the mishandling of XXXX creditors, XXXX and XXXX XXXX. 

The dispute system is broken, all XXXX credit Bureaus do not allow for you to provide proper information or documentation as to why we the consumer are disputing, so as creditors report back they accept whatever the creditor states, without requiring proof to validate their claims and we never get a copy of their response Then both the creditors and credit bureaus use an antiquated ( Snail Mail ) when we have faster ways to communicate, reporting agencies hold XXXX consumers hostage in how they report and cost consumer 's XXXX dollars in their failed reporting and verification procedures

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (LA).
Issue: Deposits and withdrawals

Complaint: I had a direct deposit on XXXX/XXXX/2015 in the amount of {$280.00} and could n't access my money from Rushcard. They said they are having problems due to the update on XXXX/XXXX/015 and they are working hard on this issue. I have spoken to them everyday since this time and nothing has been resolved. They have no answers and I ca n't get my money out because it is saying {$0.00} balance ; even though I had a deposit on XXXX/XXXX/2015. I am very upset and bills are due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I was scammed from the Internet of {$40000.00} from my Former WELLS Fargo bank account including my credit Card. The bank did nothing to stop these professional scammers from taking the money out of both by checking account and credit card. They made me believe that they were putting money in my account so I could sent it to their in-need relatives in XXXX. IN reality they were removing all the money from my bank account. The bank has denied all my requests for help. Now they want me to pay them over {$10000.00} for credit transfers I did not make.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at 15 U.S.C. 1691 et. Seq. ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. 1681 ). 
Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California Gov't Code 27201 et. Seq. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. 
Because of this discovery we have demanded that the trustee cancel TS # : XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. 
I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, " XXXX '' is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. 
A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX v. Superior Court ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX v. XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by QLSC. XXXX was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. 
It is in criminal violation of Cal. Penal Code 115.5, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. 
After receiving no response from XXXX XXXX XXXX XXXX, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Vehicle loan or lease (Loan) with Coastal Credit, LLC (CO).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: On or about XX/XX/XXXX I spoke to a representative at Coastal Credit and had made an arrangement to pay {$50.00} to get my XX/XX/XXXX payment deferred, the payment was due by XX/XX/XXXX. I had a problem getting the funds by that date due to the fact that I had to pay my rent and utilities since I am in the process of retiring those things were my priority, so on XX/XX/XXXX i called the company to see if i could pay it on that day. I spoke to the account rep XXXX and he said he would not accept it that I could pay the full monthly payment amount and the he could look at deferring XX/XX/XXXX payment. During the conversation he was rude and i felt harassed and pressured because he said to me something to the fact well you are 31 days past due and it can be reported to your credit bureau and isn't the car important to you. I told him no keeping a roof over my head is more important, so he said well what if we just come pick it up between XXXX and XXXX. I told him to let me know and i would get my stuff out and he could have it. He then said to me well you seem frustrated because you are talking over me I said to him no I am in a hurry to get to work and he kept on with you seem frustrated. He then began to say well he will give me a few days to think about it and follow up with me and he hung up on me. Later that night on XX/XX/XXXX a lady by the name of XXXX called me and we discussed what had happened between XXXX and myself, she said that her manager told her to follow up with me to see what they could do to help,, short of it she was willing to defer the payment and take the {$50.00} with it due by XX/XX/XXXX and a full payment by XX/XX/XXXX. I informed her that I no longer wish to be contacted by XXXX. She said that she would note my file and asked if she could call me on his behalf I said yes, but did not wish to be contacted by him again. Well long story short today XX/XX/XXXX i got a text msg from XXXX at XXXX XXXX my time and that is clearly a violation of the FDCPA. I am not to be contacted before XXXX XXXX my time and not after XXXX XXXX my time and he clearly violated that. Also after reviewing other text msg from this companies reps I also received a text msg on XX/XX/XXXX from someone named XXXX about a payment that I had scheduled that did not go through. This is truly to violations of the FDCPA within about a 90 day span. I called the company this morning ( XX/XX/XXXX ) and spoke to a lady that said she was a manager and that she would report this to the director.  I feel at this point that this is harassment when i am making an effort to communicate with them and to try and make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Transaction issue

Complaint: I initially gave a merchant a down payment on Capital One MasterCard for the installation of a wood fence on my property. The fence was not completed but the company charged the remaining balance to MasterCard without my approval. I immediately contacted Capital One and they initially charged back the merchant I sent in a statement and an estimate for the completion of the fence by Capital One stated that they did not receive the estimate by the deadline. When I called Capital One about this they then stated that the estimate was not legible and closed the case. I called again about this charge and was told that since the dispute was closed MasterCard will not look into my claim again. MasterCard knowingly gave a crooked merchant unauthorized money after being told to stop the payment. I was ripped off by a thief with MasterCard 's help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan serviced by Nationstar Mortgage # XXXX. My XX/XX/XXXX Principal payment they totally screwed up. I submitted a handwritten and signed instructions to apply to principal only. They disregarded and applied to the XX/XX/XXXX payment of interest. I obtained a payoff from Nationastar and sent good funds in the form of a cashiers check drawn on XXXX XXXX XXXX in XX/XX/XXXX and mailed it to their payoff address on the demand with extra days interest. On XXXX XXXX, Nationstar cashed my cashier check. They started contacting me about being delinquent on my loan. After talking to them I provided from my credit union a copy of the endorsed and cashed check ... .endorsed by Nationstar Mortgage. They submitted the dispute and on XXXX XXXX they send a letter XXXX saying theyXXXX made no error and that they were unable to locate my XXXX last check. I called on XX/XX/XXXX and talked to one of their service people who said he could clearly see they endorsed the check and cashed it. I am getting calls from Nationstar daily for being delinquent on the account. Obviously now that it is almost two months later and still unresolved from when they cashed my check they will erroneously report my credit profile as being 30 and now 60 days late. This is ridiculous. Within the past couple days I received a notice of a certified letter. My wife drove 30 minutes to the post office and back XXXX cities away to find a certified letter saying I am late on this account. I have had upwards of XXXX mortgage loans and this is by far the most incompetent servicing I have seen in my life. I called today and it is still not resolved. There is no process to expedite resolution which is a major flaw in their system. You should not go to the back of the resolution line and start your 7-30 day process over again. They should be able to email a manager and get it done now. Instead evidently I will continue to be harassed day and night and perhaps by mail on my so called delinquent account that I paid off just short of two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX  ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 02/25/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: To whom this may concern. 

My Equifax report shows two accounts in dispute. I DID NOT request a dispute of these items. These items are VALID. I have called Equifax customer service multiple times and each time was told the investigation would be immediately canceled. It has not been canceled, and as a matter of fact it was completed and then is now in the process of a RE-INVESTIGATION. 

The items I am referring to are below : XXXX Account # XXXX and XXXX Account # XXXX Please let me make this CLEAR. I never disputed these two accounts. They are VALID. I would like any disputes or investigations into these two accounts stopped at once.

Company response to consumer: Closed with explanation