milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WV).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XX/XX/XXXX To whom it may concern : The purpose of this letter is to report wrongdoing by Wells Fargo that has caused financial hardships and adverse credit standing for me since XX/XX/XXXX. I have been in contact with Wells Fargo about a business credit card payment error where their online payment system processed a payment transaction resulting in a double payment on XX/XX/XXXX. 

Since I am retired and have a fixed income there was not sufficient funds available to pay Wells Fargo the XX/XX/XXXX payment due to the previous monthy payment being double the amount so XXXX payment was not paid. Wells Fargo contacted me and said that I would have to pay two payments for XX/XX/XXXX to make the account current. I managed to make a double payment in XX/XX/XXXX and they refunded the missed payment fee and made some adjustments. I asked about the effects on my personal credit score and the Wells Fargo representive said that since it was a business account that my personal credit score would not be affected. 

I checked my credit history this month and found that there was a drastic reduction of my credit score in XX/XX/XXXX. I believe the action of Wells Fargo was the reason my score dropped so much because I am current on all other accounts. My score has been low since then and I have not applied for a home equity loan, car loan or credit card as I had previously planned. Managing my credit is important to me and just when I got it up there all the planning I have done will be of no benefit this year. 

Confidence and trust in Wells Fargo is neccessary in order to do business there. I have also mailed an application to be part of a class action law suit against this company. I had not planned to do that until I learned that Wells Fargo had been untruthful to me. This happened in XX/XX/XXXX and they were still doing the multiple payment scam to others until this month. They knew about it and continued to do it. Unexcusable. 


Sincerely, Attachments :

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 01/24/2017 about Mortgage (Conventional fixed mortgage) with CORNERSTONE MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We just purchased a home, and promptly paid our first mortgage payment according to the loan payment statement I received in the mail shortly after we closed on our home. Our payment was due XX/XX/XXXX, and the mortgage company cashed my check on XX/XX/XXXX. I received a letter a few days later that our account number had changed, and did n't think anything of it, as the previous account number was written on our already cashed check. We received this month 's statement in the mail yesterday, showing an overdue payment for XX/XX/XXXX. When I called, the customer service representative indicated they had no way to know that I paid on the old account number, that when loans are sold and account numbers change, they do not tie the XXXX account numbers together, and they would have just cashed the check and it would sit in a pile of money until I called to complain and then they would research to find out which new account to apply the payment to. I am pretty sure that is not how a servicing company is supposed to handle loan payments, especially when they are sent in accordance with the instructions received and the original account number.

Company response to consumer: Closed
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: XXXX/XXXX/2016 I was charged a overdraft fee when I had more than enough money to cover the bill. : The following items posted against insufficient funds : Item Amount XXXX XXXX XXXX PA {$36.00} Item Paid Final Available Balance as of XXXX/XXXX/16 : - {$42.00} This balance does not include the fees listed below. 

Fee ( s ) totaling {$36.00} will be charged on XXXX/XXXX/16. 

I opened two other account attached to the same card and the young lady who assisted me with opening the cards asked if I wanted overdraft protection. She was told YES. 

I spoke to a young lady today and she stated although I had enough money in the bank to cover the cost, the check mark was not checked for this account to cover incidents like the one mentioned. 
Again, I opened the other accounts inside of the branch and was verbally informed by the attendant that the protection would avoid me paying over draft if I had the money in another account. 
As a housing counselor, I felt the wallet was user friendly, I have spent several minutes looking for the check mark the CSR spoke of after telling me there was nothing she could do to help me ... and I still have yet to find it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I receved a notice from the bank ( dated XXXX XXXX, 2017 ) that indicated that my 4 accounts were going to be closed. I contacted the bank via phone and in-person to get a better understanding of nwhy the accounts were " pending closure ''. Each attempt was unsucessful in obtaining a resolution.

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 06-06-2016 about Mortgage (Home equity loan or line of credit) with POPULAR BANK (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making my monthly payments though automatic payment though my bank 10 days before the due date every month. Last year I discovered that my credit report was stating that my payments were late every month for over a year. I contact Popular Bank and they were missing 2 payments. After I emailed them this information, the issue was fixed. After that it took them 3 months to fix the mis information that had been reported to my credit. This was in XXXX 2016. Since then they have once again started to report my payments late again for the last 2 months. I have contacted them again and was told my account was up to date and to send them my credit reports again. I should have to call this company every month to make them do their job.

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 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: my student loan is with navient. i agreed to a forbarence and made a payment and it was suppose to get me caught bqck up. well they didnt take the monwy out of the account at first and i called them and thwy said it was just taking some time to process bc of the holidays. i called two more times. they said thwy got it. it even says payment received on my account and that i didnt need to make another payment till XXXX then they changed thwir mind and i needed to make a payment for a bunch of late fees. then they changed their mind again and said i owe XXXX and hundreds of dollars now and the XXXX payment. i have issues with repaying my loan and dealing with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX XXXX XXXX XXXX XXXX in 2011 and it ended up being shut down. I originally got my private loan through XXXX which they now transferred the loan over to UAS XXXX and I ca n't afford to make the payments and feel that if Im able to have my federal loans forgiven that I should be able to have my private loans forgiven or some sort of help with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Chase bank has lied to me. they illegally foreclosed on me in 2010.I fought them and spent {$37000.00} with an attorney and they put the house back into my name. The promised a modification which I have not gotten as yet. They provided me with a confidentiality agreement which I refused to sign as they have cheated me and want to hide that fact under the rug by shutting me up. they once again are trying to foreclose and also refuse to locate money i sent them. They cashed the checks i sent but never applied the money to y loans. ( XXXX loans ) .Please wo n't you help me. No one has as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Late XXXX 2016, I was inquiring with my lender - OCWEN how best to payoff the loan without any problems, since I was planning to do this by XXXX 2016. In addition, I inquired about the payoff amount ( {$38000.00} ). I mentioned by phone to my lender - OCWEN that I would be paying off the loan in XXXX 2016 and that I needed to hold off on paying that month, since it would throw-off the new lenders payoff calculations. My lender - OCWEN was aware that I was about to payoff the loan in full in XXXX 2016, but there was a delay with my new lender and I ended-up paying off the loan on XXXX XXXX, 2016. I did n't think it would be a problem on my credit, since I discussed this issue beforehand with my lenders support staff and they agreed by phone to that affect. I 've always been in good standing with my lender OCWEN, up to this point, where I was paying off the loan and they gave me wrong information in terms of my credit being compromised. My track record shows that I 've always paid on-time and that has never been a problem. I was planning to retire on XXXX XXXX, 2016 after 24 years of service to the military and I was refinancing this loan before getting out. My credit score before this issue was approx. XXXX. My score dropped XXXX points because of this error. As a retiree, this is a major issue and I addressed this issue to their Research Dept. with no success. BTW, there were recorded phone conversations about what we discussed. I hope you can have my lender retract this credit report error so as a retiree ... .I 'll have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was part of bankruptcy. The home was foreclosed on through bankruptcy. I had my attorney write a letter to the company they closed the account but it still shows as an account that was in non-payment for XXXX months therefore really hurting my credit, which should not be on the credit bureau 's reports as the debt never should have been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I have been attempting to get a loan modification from my current lender SPS, I was approved a modification with my previews mortgage company XXXX XXXX XXXX and unfortunately my loan was then sold to SPS who did not honer the agreement in place. Now I am facing foreclosure and are unable to re finance the loan nor bring the account current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I was in the process of a Loan Modification and Chase Mortgage went ahead and filed a judgement against me even though I was not denied for the Loan Modifucation. When I called the Loss Mitigation department at first they seemed to not be aware of it and we 're still asking for documentation. When I called again to follow up I was told by my Customer Service Representative that we have to be in Underwriting which I know it is not true. I am due in court even though Chase is dual tracking me. I was also told that the Chase ' foreclosure department and the Loss Mittigation department do not seem to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX    XXXX   XXXX  is reporting a balance on my credit reports when the debt is paid.

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 08/16/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Transaction issue

Complaint: I recently opened an Amazon Store credit card, issued through Synchrony Bank. About a week after opening the account, I was notified by Amazon security department that my amazon account was compromised, and unauthorized purchases had taken place. They locked my account, and cancelled all unauthorized orders, which all contained e-gift cards that were claimed by people who I have never heard of. Amazon sent me an email saying all transactions were being reversed. Two weeks went by, and the orders had been cancelled but my Amazon credit card ( issued by Synchrony ) had not been refunded. I contacted amazon numerous times, and they finally told me I needed to contact Synchrony Bank to have the charges reversed. I contacted Synchrony and opened a dispute. Several weeks went by, and I never heard anything from Synchrony or Amazon. I was forced to make a payment on the account to avoid late fees and a derogatory mark on my credit report. I contacted Synchrony and was told the dispute was closed due to lack of details, but they would open the dispute again. I have no faith in this process, given I already went through it before with no results. All of the charges that amazon told me would be reversed took place on XXXX XXXX and XXXX XXXX. There were a total of XXXX charges, totalling {$4000.00}

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 01/17/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland mailed a post card to me that anyone could see and know I had credit issues. If they wanted to communicate with me it should have been in a discreet envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I am writing to state that this company is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit reports with XXXX, XXXX and XXXX. The inaccurate information that is clearly different on all three credit bureaus. They are supposed to report the same information on all three credit bureaus, this is causing me to get denied for credit and if not deleted from my credit will consult with an attorney who specializes in FCRA violations. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX High Credit : XXXX  {$16000.00} XXXX {$20000.00} XXXX {$20000.00} Last Reported : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Also , this is clear evidence that they are not reporting accurate information per XXXX XXXX  guidelines set forth by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am contesting the account with XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$600.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 120 % usage. I need Experian and XXXX XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. It has been corrected on my XXXX and XXXX reports, too.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The Equifax credit report linked to my ID is not mine. On XXXX XXXX, XXXX, I enrolled in TrustedID XXXX because my account was among those hacked, according to the Equifax online tool. I needed to enroll over the phone because the security questions presented to me about my credit history did not pertain to me, I could not answer them correctly, and I was locked out. I was able to enroll in TrustedID by answering questions over the phone. I then logged in to my credit report through TrustedID and learned that nothing in the credit report was correct. It was the report of someone else. ( How could the Equifax agent enroll me in TrustedID since my oral answers did not match information linked to my account? ) I froze my credit linked to this account, but it is a fake account. My actual data is unprotected somewhere in the Equifax database. I have tried to get this corrected through the special cybersecurity help number ( XXXX ) and was told today, XXXX XXXX, that I should use the dispute resolution website instead at www.equifax.com/XXXX. This site is " down for maintenance '' and has been 'temporarily unavailable '' for the several days that I have been monitoring it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I wish to file a complaint against OCWEN Mortgage for obviously stonewalling on my application to short sale my condominium located in XXXX, California. The required documentation had been filed in early XXXX 2015 by my Broker, XXXX XXXX, who obtained a buyer for my condo ; however, since then OCWEN had been trying to delay actions by asking for updates and other requirements that have already been submitted. The latest is now they are asking for a resubmittal of documentations simply because they should be brought up to date. I believe OCWEN 's actions are highly suspect, to say the least, and needs to be investigated for any violation of law regarding to short sale transactions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on XXXX, EQUIFAX and XXXX, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX XXXX do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (IL).
Issue: Account opening, closing, or management

Complaint: i close my account XX/XX/2017 and still active i pay remaning balance and account still active promise account close after pay and reverase my overdraft and account not close still active XXXX bank not close and nowaprt huntington bank still active my account

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: I wrote XXXX, Experian and XXXX in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXX for an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.

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 01/15/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: I opened an account with Synchrony Bank with a " promotional offering '' of No Interest if Paid in Full within promotional period which ends XXXX 2016. This credit card was opened to purchase art work through XXXX XXXX XXXX XXXX. XXXX 2016 billing charged {$470.00} interest on what appears to be a portion of {$1100.00} of the amount owned. An amount that is over 43 % interest. The amount due on account, to be paid in full without interest by XXXX 2016 is {$2000.00}.

Company response to consumer: Closed with monetary relief