milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: Re : Wells Fargo checking account. 
They took a check that cleared from XX/XX/XXXX and processed it again. Those funds were taken out of my account on XX/XX/XXXX. After several calls and a threat to take this matter further with you, I gave them until today to put the money back into my account. The did put the money back into my account today ... but ... they were not able to or willing to explain how this happened. 
I would like you to investigate how this happened. 
I will include copies of the check and my current statement. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We had major problems with our mortgage with Green Tree servicing related to unauthorized fee 's, inaccurate posting of payments and paying our property taxes late ( escrow account ) and charging us with the late fee, harassing me at work, and refusing to provide either monthly statements or online info our our account summary/balance. Unfortunately, a company with problems and numerous complaints can remain intact, and simply change their name. Now that they are Ditech, we are even more upset. I AM CONVINCED THEY ARE XXXX US OVER. We filed a chapter XXXX in 2012 ( we did not include our home/mortgage ) and have continued to pay that on-time every month. Greentree AND Ditech will not put our loan balance or account summary on our statements nor online. We have NO CLUE where our money is going. I make my {$2100.00} payment every month. I called to obtain the info and the recording indicated they received $ XXXX I paid {$2100.00} It appears our loan balance has n't gone down either, it appears to have gone up! I know they added the late fee THEY PAID LATE ( escrow account ) ON OUR property taxes to our loan balance. I filed a CFPD report last XXXX regarding this and have yet to get it resolved/refuneded. I pay online every month on the XXXX,, yet they post payments on the XXXX often ( just to illegally assess a late charge ) Why does it take 2 weeks to get an electronic payment? NO ONE ANSWERS THEIR PHONES, OR RETURNS messages via their website under " contact us. '' I have sent XXXX messages in the past 8 months. The Federal trade regulation needs to investigate them asap!!! I FEEL SICK TO MY STOMACH, AS WE HAVE NO CLUE WHERE OUR MONEY IS GOING, NOR CAN WE SEE/ OBTAIN A COPY OF OUR BALANCE/ACCOUNT SUMMARY TO CONFIRM IT. PLEASE HELP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a debt notice XXXX/XXXX/15 for a medical service rendered over 5 years ago. This is the XXXX notice of any debt related to unpaid claims. Deadline of XXXX/XXXX/15 to pay or be reported to credit bureau. Requested proof of the debt. They said they will mail it to me but I wo n't receive it by their deadline. This situation seems like a scam. I called XXXX and was treated rudely each time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Debt collection (Medical debt) with Capital Accounts, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I previously sent Capital Accounts a validation of debt letter under the Fair Debt Collection Pratices Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. ( I have attach the original Validation letter XXXX. During my request of proper debt validation with Capital Accounts I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (OH).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2016 my wife and I received an auto loan for a private party purchase of a vehicle. The seller went to the branch with us to sign the paperwork. After 3 weeks of not receiving a copy of the lien title needed for registration I contacted the bank. They said the lien had not been released by the previous owner 's bank. They had not communicated to me that there were any problems. I asked them to contact the bank that had the seller 's lien but the said they could not. I contacted the seller, she had the lien released on XXXX/XXXX/16. She went back to her bank and obtained the title and a letter releasing the lien. I took it to my local US bank branch the following day on XXXX/XXXX/16. I was told they had to " send it to the loan department for processing, it will take 10 business days at the most. '' I asked them to please expedite the process and they agreed to " try. '' After not receiving the title, not being contacted I emailed US bank yesterday XXXX/XXXX/16 and they replied today stating " Good Morning XXXX, I called our Loan Department for a status on this. A notification was sent to the branch needing the seller to sign a one in the same affidavit since she had a name change and the names are not recognized by the county. Once this is complete, it will be sent to the county after 10 business days. I apologize for any inconvenience. '' They should have recognized this when we bought the vehicle and more importantly they should have communicated the problems prior to today. My local branch has not contacted us or the seller either. Now we have to wait a minimum of another 10 business days before we can register the vehicle. We have already made our first payment on the loan but do not have the vehicle legally in our name.

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 04/13/2016 about Payday loan () with BlueChip Financial (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I was trying to find a installment loan and that is what they said that they were when talking with them on phone not a payday loan. they said XXXX was the payment amount and that is what I thought was the monthly payment for 6 months. I agreed over the phone and then I questioned after they had taken XXXX from my checking account and that is when they send me their agreement that was for over a year and it showed I still owed almost the whole amount. I sent them an email which I will attach telling them to stop taking out of my account that the loan had been paid plus interest and if they did not send me notification that they closed my account I was revoking authority for them to take money from my account. I have not heard anything from them since last week and do n't know if they will still take money from my account on Friday the XXXX or not so I am filing a complaint. They are not licensed in Michigan and they say they do n't have to be which is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have contacted this collection agency on several attempts.I 've got no results from them.I asked them to remove the account from my credit report due to an accurate information and not able to show proof where this account was signed. They have this account link to the last a four digits of my social not the complete social and a different name therefore this is in accurate information and I would like it to be removed from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RMS XXXX XXXX, Oh XXXX has been sending me over XXXX bills for services done and paid for by my son at his home at on XX/XX/XXXX Work was preformed by XXXX order number XXXX It was paid for on the same date on his XXXX card ending in account number XXXX ; Paid in FULL for the amount of {$89.00}. 

On XX/XX/XXXX they acknowledged in writing via email the debt was paid and stated case would be closed. See Below Date : XX/XX/XXXX at XXXX PM MST To : " XXXX XXXX Subject : RE : claim No : XXXX Ref No : XXXX Dear XXXX This is to acknowledge the receipt of your email. Please be advised that we have closed the account in our office today, XX/XX/XXXX, and you will no longer receive any collection activities from us towards the account. We would also like to inform you that we do not report these claims to the Credit Bureaus. 

We regret the inconvenience this may have caused you. Please let us know if you have any questions. 

Thank you. 

XXXX RMS XXXX XXXX XXXX On XXXX they sent me another collection notice for the debt again. I consider this Harassment and they need to stop trying to collect a debt That was for my son but also paid in full. 



XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Advertising and marketing

Complaint: my wife received a " home projects '' credit card in the mail from Wells Fargo. 
she never asked for this, does not want it and does not want to do business with this disreputable company. we called XXXX and " XXXX '' told me he would reveal the name of the company who provided my wife 's name and address only if he spoke with her directly. when i handed the phone to her XXXX insisted on having the last XXXX digits of her Social Security number, which she refused to provide. we want Wells Fargo to erase this account and number and delete her name and address from their records, and to reveal their source for this information.

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 08/13/2015 about Mortgage (Conventional fixed mortgage) with i3 Lending, Inc (MI).
Issue: Application, originator, mortgage broker

Complaint: I made a mortgage application with I3 lending on XXXX/XXXX/15. I submitted a complete application including name, social security number, dob, address, income, and assets. I was never contacted and did not receive my required respa disclosures. The only contact I ever received was an email thanking me for my application and telling me I wold be contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am eight years out of school, and my private student loans have been bought and sold between companies several times. For the past several years, Discover has owned them. Here 's what 's happening : I am set up for autopay. Occasionally, about every six months, I 'll make a large principal payment, submitted through the mail. 

Every single time Discover has not applied this payment to principal, but used it to suspend my autopayments, using the principal payment as a time-release regular payments. A month goes by, and I notice that my autopay has not gone through, so I call and make them apply it to principal. 
Every time they apologize, every time I ask if they 're going to refund me the interest they 've charged me for that period, and every time they tell me it was an " error '' on their part, so they do n't have to do jack. During my last jaunt with customer service, one of the reps actually tried to placate me with " It only works out to about four cents a day for you. " That they 're stealing from me. 

Initially they tried to tell me it was my fault for not checking the correct box ( apply to principal ) on the slip, or writing it on my check, so I 've started taking pictures of my checks and slips. For a few months they had actually removed the " apply to principal '' box on their mailing slips, but as of last month it was back on. I 've gotten suspicious enough of their shady practices to request an in-detail payment history. Still waiting for it to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: Hello, I have an auto loan # :  XXXX  with  Fifth Third Bank ( 53.com. )  On  XXXX   XXXX  I realized by checking my account on line that on  XXXX   XXXX  this lender added  XXXX  charges of {$840.00} each, this as they stated was for the insurance coverage, which according to them I never had. This is the second time that this bank did the same to me ; the previous time was on  XXXX   XXXX .   On Monday  XXXX   XXXX   XXXX , I calle d Fifth Third Ban k loan department and they informed me they do hire a company that check insurances on cars called,   XXXX   XXXX    XXXX   XXXX   XXXX . When I called  XXXX   XXXX  to number  XXXX  a representative from this institution name  XXXX  told me that she was not fully sure that they had enough information about my insurance situation, but when they are in doubt they just informed that to lenders, since proof of insurance can not be proofed they assumed the car does not have insurance, then in this situation they had to report it  to Fifth Third Ba nk. This is an unfair way of doing business because affects consumers.   Last year on  XXXX   XXXX  when this same issue happened I updated my home address, and today  XXXX   XXXX  when I talked to Representative  XXXX   XXXX  from the loan department, she stated that still the database shows my old address and that never got updated. Due to this issue the letter requesting proof of insurance this year was never sent to the right address, therefore I got never informed of such request. This bank is engaging in unfair practices in prejudice to consumers. Also the agreement I signed with the dealership has different rate and at the time I am paying 0.14 % more.    XXXX   XXXX   XXXX , I emailed my proof of insurance to representative  XXXX   XXXX  to email :  XXXX  XXXX  XXXX , also expressed my concern about the rate difference, she stated that when my email is received do not expect a response because it may take some time to do research.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have mortgage loan with Select Portfolio Loan Servicing or SPS. They had bought my loan from XXXX while it was in the process of a modification. It has been almost 4 years since and my modification keeps being denied on the basis of my self-employment income -- income which they have miscalculated each time. A different income is calculated even when I submit the same income information for my modification. 

When I finally got XXXX involved to help me, this miscalculation did not stop. As recently as this past XXXX, XXXX had calculated my income to be at 22 % in terms of my expenses ; yet again, my modification is denied due to income calculation. This has been my second denial with XXXX 's help. I just do n't know what to do anymore with SPS. I am trying to keep my home but they are trying to kick out of home. Please help me! 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my credit report that I do not recognize and that I did not authorize and would like these deleted from my credit report XXXX Thanks

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 08-08-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Closing/Cancelling account

Complaint: I had four accounts with Barclays Bank. All four of the accounts were closed without prior notice. Three of them had not been used in a while, but the fourth ( Barclay XXXX XXXX ) was active and used often. All accounts were paid in full and on time. The bank refused to give me any reason for the closure of the Barclay XXXX XXXX ( XXXX ), despite my repeated requests on the phone and via email. I have never had any accounts closed in my 40+ years of having credit cards. When I requested a refund of my annual fees, I was told they would not be refunded. I had unused travel rewards of XXXX, which would have been good to offset XXXX of travel related charges. I had more than that in travel related charges against which I could have used the travel rewards. They have refused to give me any credit for those rewards.

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 02-01-2018 about Debt collection (Payday loan debt) with WELLS FARGO & COMPANY (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed a case with CFPB on XX/XX/XXXX, case CFPB case number XXXX. 
This case is showing resolved in your website but I never received anything from CFPB stating how it was resolved and would like a copy. Wells Fargo sent me a letter dated XX/XX/XXXX and  XXXX showing a debt discharged of XXXX in XXXX XXXX. This is incorrect, I made a payment of XXXX to Wells Fargo phone payment on XX/XX/XXXX. I would like to know if Wells Fargo wrote the XXXX balance off so they could receive full TARP money on this loan that was originated with XXXX. Next question has and is Wells Fargo been doing this with all Tarp loans that they received. I can send you a copy of the 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 06/20/2017 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Existing account Fraud. On XXXX/XXXX/17 someone fraudulently accessed our Navy Federal Credit Union ( NFCU ) savings account online under my wife 's name utilizing her our account number, her date of birth and social security number and transferred to another NFCU member in the amount of {$3700.00}. The name of the member money was transferred to is XXXX XXXX XXXX. This person was able to establish account access even under an obvious fraudulent email address of XXXX. We do not know this person or have an affiliation with this person. We reported the incident within 2 hours after the transfer occurred as it was brought to our attention that NFCU had froze our account. We went to the nearest NFCU branch at XXXX XXXX, MD and reported the fraud to them and our complaint was submitted to NFCU Fraud Department under Fraud # XXXX. Since then we have closed our savings and checking accounts and have established new accounts. In addition we received new credit and debit cards. When calling to check on the status of this investigation with NFCU we get the same answer over and over, that is it is pending and will take 10 business days. Well it has been 10 business days and we have not received any updates to this investigation and have not received any of the {$3700.00} dollars that was fraudulently taken from our account. I 've asked to speak with NFCU security and the investigator assigned for updates only to be told that they are not available and that the status is pending. Having been a member with NFCU for over 20 years this kind of treatment and refusal to give me more information regarding this is beyond comprehension and frustration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: 1-EXPERIAN refuses to investigate ACCOUNT XXXX, XXXX ( proof attatched ) 2-account does not display a correct DOFD, ( date of first delinquency ) 3-account does not contain fall-off date, experian reports the date assigned to collector, as a result experian has re-aged account 4 experian has included their statement that account is reporting according to FCRA when on the face of the record that statement is proven false. 
5-account was paid off XXXX/XXXX/16 for an amount in excess of collection amount XXXX ; in CALIFORNIA it is illegal to charge any collection fee that is undisclosed in original contract ... .violates debt collection law. 
6 account history shows in collection in XXXX 2016 when was paid XXXX XXXX 2016. 
7 according to fcra creditor was required to send dofd within 90 days of reporting not years later XXXX amount and date are not shown on report ( not reported ) 9-experian no longer has 30 days to investigate or remedy since they have verified falsely and conclude the specific dofd investigation. 
10-applicable fcra law is attatched here regarding dofd violations by experian

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