milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/XXXX, I made application via my mortgage broker for a Real Estate Secured Loan with US Bank Home Mortgage. 
1. US Bank issued a Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
The required information was provided by myself and my broker within the specified time limit. 
2. US Bank required more information / documentation XX/XX/XXXX. 
The extra required information was provided by myself and my broker within the specified time limit. 
3. US Bank issued another Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
Some of the items on their list had already been supplied, however everything on the list was submitted or resubmitted by myself or my broker within time limits. 
4. US Bank issued a definitive Loan Estimate XX/XX/XXXX - 15 year@3.875 ( rate locked ). They required NO further information at that time. 
5. 0n XX/XX/XXXX, my mortgage broker notified me that US Bank was backing off on its contracted offer. 
a. He believes that the bank determined it to be high cost due to their own guaranteed rate lock. 
b. Furthermore, he received a list of several more unusual documents and forms that the bank was now demanding. 
c. He asked to file for an extension on the rate lock, but the bank refused. 
6. At this point there are some inappropriate legal issues that US Bank seems to be ignoring in the interest of profits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: I 'm with bank of america every time. I use my debit card the funds for that transaction are placed on hold. I had a transaction to go thru and the funds were n't there to cover it. I was charged {$35.00} since which cause everything processing to bounce and I received additional overdraft fees on XX/XX/XXXX. On XXXX XXXX I received and overdraft fee for my account which did n't have XXXX to cover a transaction all these are debit card purchases. I feel like a {$35.00} fee on XXXX is crazy when I was inquiring on how to file a suit I was referred to this site. So before I take any more actions I 'm going to see how this site helps

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 10/30/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/15 I was on vacation in Florida. My drivers ' license as well as XXXX credit cards and a debit card were stolen. The criminals went on a shopping spree to some of the best department stores and bought items that should have thrown up a red flag to anyone paying attention to their job. Multiple designer watches, multiple designer perfumes and colognes. Macy 's was XXXX of the cards stolen. I called their customer service to cancel the card that same night once I realized the theft. By then there had been multiple large charges to the card. Police reports were filed with XXXX different police departments in Florida, XXXX XXXX, as well as XXXX, Florida. Upon some investigation in the mall where some of the purchases were made I was able to see XXXX of the receipts that were signed by the thief at a kiosk vendor. It was not my signature. At that time I called Macy 's and asked to speak to a manager about the theft. No-one ever returned my call. I visited mall security just to let them know about the theft. They were apologetic but unhelpful. On XXXX/XXXX/15 once I returned from vacation I sent in the letter disputing the charges. I sent another letter of dispute on XXXX/XXXX/15. I have called Macy 's trying to resolve the issue multiple times, each time speaking to someone different and no-one is able to tell me the status or if they have even received my information. I have spent literally hours on hold just trying to reach a customer service agent. The charges put me over the credit limit which was {$2000.00}. Macy 's has since submitted those fraudulent charges to all the credit reporting agencies which has severely damaged my credit rating. I was a victim of identity theft and still feel as if I 'm being victimized by a system that does n't seek to protect its consumers. To get a credit card you have to submit quite a bit of personal information, and when someone fraudulently steals your card no-one even asks for an ID. All the other cards were addressed and those matters were resolved with apologies. I 'm now being charged finance charges for all those fraudulent charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is charging for time usage on cellular numbers not used. I have disputed this several times, yet they do not send me documentation to back this debt because there isnt. How can I owe money when I didnt use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Settlement process and costs

Complaint: We closed escrow on XXXX XXXX XXXX, the Wells Fargo Mortgage was paid off through escrow on XXXX XXXX XXXX. The homeowners insurance held by the California XXXX XXXX XXXX, due XXXX XXXX XXXX, was paid by Wells Fargo on XXXX XXXX XXXX for the following year while the home was in escrow with a fixed closing date of XXXX XXXX. Since we moved to another state, even with correcting the mailing address several times with Wells Fargo, it took 6 months to receive our escrow impounds check from them, which did not include an itemized list of the payout. We did not discover that we were insuring a house that we did not own until XXXX XXXX XXXX, when the insurance company sent us a notice of renewal for the coming year. Wells Fargo wrongfully paid a year of homeowners insurance from an escrow account on a home we no longer owned. If that 's not wrong, I 'm not sure what is. In the state of California it is illegal to insure something you do not own, Wells Fargo therefore made us illegal without our knowledge. After several calls to the insurance company, Wells Fargo and the escrow company we have been given the run around, with no foreseeable reimbursement for their negligence in site.

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 07-12-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Navient, with no permission from me, placed my loans into a " Courtesy Hold Period '' at which time no automatic payments ( controlled by Navient ) were received yet interest was accrued to the benefit of Navient.
<P/>
In XX/XX/XXXX, I asked Navient if my loans were income based, in order to understand if I qualified for XXXX XXXX student loan forgiveness, as I am a XXXX XXXX
<P/>
My payments are pulled from my bank account from Navient, using their AutoPay feature which was set up years ago. I noticed in XX/XX/XXXX that they had not received a payment in three months. <P/> I called to ask why my payments were not received. They explained that my account was put on a Courtesy Hold ... As a result of my questioning as to if my loans were income based payments or not, they decided to put a " courtesy hold '' on these payments for three months and reinitiated my automatic payments for XX/XX/XXXX. <P/>
At no point did I agree to delaying my payments. I did not want a three month loan from them. They forced the loan on me and probably many other customers. I can afford the payments and want to be rid of my student loan debt as soon as possible. This scheme clearly only benefits Navient and is not a courtesy at all. Combined with many other customers it is clear that Navient has much to gain from these types of practices.
<P/>
Please help all of us costumers of Navient ... .it is clear they are taking advantage of everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I want to try this again since this company 's response is always the same. I do n't feel that this company is looking into this at all and I feel they are running an illegal practice in their collection agency. 
I have recently relocated to Mississippi for work and was informed by my attorney that this claim needs to be taken off my credit report per Mississippi Law. I have been fighting this company for over a year now with this claim. IT 'S NOT MINE. I am trying to buy a home as I am currently living with a coworker and trying to XXXX with me. So for the last time before I get my attorney involved take care of this claim. 
You claim you ca n't find me in your system, well here 's your info My account number with you is XXXX Your clients account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: After being laid off on XX/XX/XXXX within the months that followed, it became increasingly difficult to pay the full amount of my mortgage at XXXX time due to lower unemployment insurance ( UI ) payments. By XXXX I was informed that my UI had run out. Eighteen months before I had received a home modification. When I consulted my home preservation specialist with my loan company ( Wells Fargo Home Mortgage ) she informed me that I should be able to get another modification. 
I was told to pay a lesser amount that was about XXXX of my current mortgage while the modification was being reviewed. After about 5 months I was informed that I was denied the modification and told to pay the {$5000.00} plus arears that I owed or be foreclosed on. I did not have the money so today I am in foreclosure due on XX/XX/XXXX 
In addition, I changed my home insurance in XXXX XXXX and was given a refund for the remaining 5 months which I in turn attempted to deposit back into my escrow account to account for the insurance shortfall when the new coverage began. WFHM did NOT apply that refund back to my escrow account. They posted it towards my " INTEREST '' and said I owed on my escrow account and charged that amount back to my principal!!! Now I have an increased principal due to this misapplied payment. The principal depart and the escrow departments are in conflict where those monies were applied. Neither will admit that made the payment towards to the escrow only that they can " see '' the payment was made. Now my escrow shortfall has resulted in an increased monthly payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Transaction issue

Complaint: Wells Fargo stated I submitted XXXX claims to XXXX XXXX XXXX XXXX XXXX. I have previously issued a complaint as I never approved a policy with XXXX XXXX XXXX. They say they have a recording of me but I would like a transcript of this recording because I have proof the recording was fraudulent due to an address change instituted by the XXXX-dispatch in XXXX County. I also would like proof of the XXXX claims they said I initiated under this policy. I will not speak on the phone with Wells Fargo. All transactions must be in writing so I can submit them to the CFPB. Charges were fraudulently made to my Wells Fargo Credit Card but that is a previous complaint. I will pursue the incorrect statements from Wells Fargo that I made claims to the 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 05/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for modification for my home several time in last 1 year. My leader had largely ignored my request. This time ( after sitting on my application for 2 months ) they finally responded to my request by asking me for some more paperwork. Which i provided to them on time and they acknowledged that they received it. Then, to my surprise they posted a notice of sale on my door. I called and remained them that they are in violation of the California Homeowners bill of right which clearly states that lenders are not allowed to double track foreclosure and a review for a modification. They said they will look into it. Next day I called to check on the status and they told me that I need XXXX more form. They emailed me the hardship affidavit form to fill out. I immediately completed the form and returned it to them. ( must remind you that this form was a very old 2009 hardship affidavit from which is not required any longer since the new RMA includes it. But, nevertheless, in sprit of cooperating and not wasting time to fight with them, I did as I asked to do ). Next day again, I called to check the status and they told me that they have closed the file and are moving to foreclose on my home. I again reminded them that I have done as they have asked and why did they close the file without review. They told me that they do n't want to work with me or help me and are going to foreclose. 
How could they do that? I thought we lived in a country with laws. I feel that they are discriminating against me because I am XXXX and do not understating many financial matters and do not have financial ability to fight back. I fear that by filing this complaint thru you, they will further retaliate by pushing forward and foreclosing on my home making my children and I homeless. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$500.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect a charged off debt.
DESIRED RESOLUTION What do you think would be a fair resolution to your issue?
Remove the debt from all three credit reports, show as paid.
Delete Charge Off Status.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving attempts to collect from a company ( XXXX XXXX XXXX , XXXX ) I am not aware. In addition, the company ( Onemain Financial , Inc ) is listed, as the original creditor, I am unaware. I need to prove from XXXX XXXX XXXX that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork ( contracts signed from XXXX ). I have no records of a contract by me with XXXX XXXX XXXX or Onemein Financial. XXXX XXXX XXXX has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If XXXX XXXX XXXX has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. 
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX XXXX I made my mortgage payment to LoanCare in the full amount for XXXX payment. While it was after the XXXX, I acknowledged the late fee, however my report is reflecting a 30 day late. XXXX refuses to update my credit report accurately even after disputing the information and providing documentation to prove on time payment. They opened an investigation on XXXX XXXX, XXXX after I reviewed my payment history and found that the payment information was incorrect. On XXXX XXXX, XXXX I received an email from XXXX indicating my dispute results were ready. 

After reviewing my updated credit report, I found that the information had not been updated and XXXX added a personal statement from myself stating " Completed investigation of FCRA dispute - consumer disagrees which was not approved by me. 

What is most troubling is that I submitted PROOF of on time payment and still the credit agency declined to update my credit report on top of adding a statement that is FALSE. I contacted my loan servicer on XXXX/XXXX/XXXX and they confirmed over the phone that they have been reporting on time payment for XXXX XXXX. They indicated that XXXX did n't confirm the late payment information but only made a general request confirming that the reported information was correct which my servicer indicates they were reporting accurately the whole time. XXXX should not be able to close an investigation with incorrect reporting when documentation is provided that proves otherwise. 

XXXX has closed their investigation with incorrect information. LoanCare, my servicer indicates they are n't reporting a late payment. I have submitted a credit report to my loan servicer, but need further assistance in getting this resolved as the credit reporting agency has closed my dispute and I ca n't dispute the same payment over again.

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 04/26/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I 've been trying to cash a check from Chase Bank, and the bank refuses to cash it even when the amount and approval from account holder was verified by  Branch Manager   XXXX   XXXX . This process has been going on for more than a week ; having me going back and forth.     After talking  to Branch Manager o n Friday  XX/XX/17    We went back to the bank yesterday Tuesday  XX/XX/17    and they still refuse to cash the check because  XXXX  failed to put any notes on the computer.     I called  XXXX  today she placed me on hold and never came back to the phone. I waite d 15 m in on hold and nothing happened.     I tried calling her again and again and she refuses to answer the phone.     I do n't know what kind of games they are playing here but as a result of the their lack of customer service, curtesy, and value of time. I 'm having my mother the account holder close her account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I am receiving calls asking to pay a account was Charge Off. 
Company is making threats to go to my house with attorney to go to court. 
They say they will take money from my bank account, If I do not pay XXXX payment with full balance. 

I request prove validating the account I was never informed account was sold.

Company response to consumer: Closed with non-monetary relief