milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (FL).
Issue: Fraud or scam

Complaint: My complaint is that I made a transaction from my bank to my landlord bank through a system used by the bank called sure pay, which is Wells Fargo to XXXX XXXX. However, this is where my problems began because the landlord claims that he never received the money and he also showed me proof that he never received the money. I made three claims to Wells Fargo Bank in order to retrieve my money back ; but it was not successful. Also, I am on a fix income and losing that amount of money has put a hardship on my finance. This is the reason why I am seeking help from CFPB at this point.

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 04/28/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Closing/Cancelling account

Complaint: XXXX of all, I am a LEGAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I came here at the invitation of the XXXX Government and when I got in the USA the financial / credit system was new to me. I 've learned that I have to build a credit history and credit points and I have to prove that I am an educated planner and responsible credit card user which I did. XXXX of the XXXX credit cards I obtained was from Home Depot and because the credit line was small I could n't use it very much, and my credit score at that time was not enough to request an increase and I was advised to wait some time and then to request an increase. Mean time I builded my credit points, I worked hard to pay always on time and here I am with an Excellent credit score after a couple of years. I constantly checked on my online Home Depot Credit Card account to see if there is any line increase available for me but all of a sudden my account was closed. There was no notice, no letter, no message about the closure, I just discovered that from the Credit Bureau that is a mark with an account closure and I had no knowledge about it. There is no limit in their terms and conditions for not using a credit card before it is closed. I contacted the Client Care and the person could n't give me a time limit for not using a credit card with them and it seems arbitrary - they choose when to close an account or not. I was advised to re-apply but that means to hurt my credit score. Then I asked to submit a complaint and I got no ticket number. The Client Care representative told me : " There is no way to provide you with a tracking number. I can not give you anything such as an email or notice. Your complaint has been forwarded to a specialist ''. 
At this point I do n't know what 's their terms and conditions regarding the time I can have a credit card without using it and what is the status of my complaint.

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

Complaint: I have hard inquires on my XXXX report, Many I don.t know about the inquires. 

XXXX XXXX 4 times on report from XX/XX/XXXX to XX/XX/XXXX, XXXX 2 times, XXXX   unknown XXXX  unknown XX/XX/XXXX don't know if somebody is trying to use info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America hit me for a missed payment back in XXXX 30 days late then XXXX 60 days late in 2014. I never missed a during that time we were working with bank of America to restructure my loan and the full payments sent were said they put the money in a trust and pulled from the trust each month to make the payments. For some reason XXXX and XXXX and XXXX and XXXX show on my report as no report from bank of America but in XXXX and XXXX they show no payment and counting it as 60 days late when the math does not add up. if the math was correct then I should have been way more then 60 days late. I have never had a missed payment with any account I have in the past 10 years or longer.

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 04/18/2016 about Payday loan () with CASHCALL, INC. (KY).
Issue: Charged fees or interest I didn't expect

Complaint: I took out an outrageous high interest loan with Cash Call Online to get into a home so my family was no longer homeless. I was making regular payments ... .so much so that at XXXX point I should have been done with the loan. The loan was at some point sold to another company XXXX XXXX XXXX XXXX. The times the loan started coming out of my account started changing which effected other bills. Between that and another bill ( furnace was n't working properly which shot up electric bill ) I ended up losing the place I was renting. The new company contacted me about signing new documents and getting payments taken out of bank. I tried to explain to them I should have more than paid but their records were n't showing that and he just needed me to electronically sign these papers. I asked him to mail them because I did n't have access to internet any longer and expained the payments were still coming out of my account. Never heard another word from them. But the payments kept messing up my bank account and severely over drawing it. The bank manager suggested I put a Block on the next payment and then close the account. Which I did ... .The new company miraculously called asking where their payments were. I explained that they should be done, what was going on, including losing residence and overdrawn account. He said their was nothing they could do that I needed to sign those papers and set up payments or they would report to Credit Bureau and or take me to court. I heard nothing more from them and stopped receiving email correspondence until today. XXXX Out of no where a lady from a XXXX number calls and starts in on me about a loan I took out that I need to pay over XXXX from XXXX XXXX. ( Mind you I am at a completely different address, with a different phone number that is not under my name, neither of which I gave them due to not having a way to contact them. They do n't provide numbers to call ... they just call you from random numbers or send emails. ) I try to explain to her I 've never even heard of that company and she returns with fact they were once named Cash Call. So I listen. She offers a settlement of XXXX but tells me I have to give her credit card or debit card info to have it drawn out Friday to secure the offer with them. Everything sounding so fishy I just told her I did n't have my card on me that she would need to call back. I 've been doing my research. I am not the only XXXX going through this nightmare. I am afraid to just give my info over the phone to them, especially after all I have lost already. I need help/advice how to proceed without losing even more. Please and Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: XXXX  has posted an account from Wells Fargo stating I have a charge off for a auto loan. This information is not correct, nor did I have a balance when vehicle was returned to the purchasing dealer by another dealer.   I was not contacted by the bank at anytime that my vehicle was being taken bank by the dealership purchased at nor did the dealership contact me. Also if the dealer took vehicle back dealer should have paid off complete balance prior to receiving title back from bank.   how did dealership get title without paying off loan? When was customer offer a chance to pay any balance prior to truck being returned? Loan listed below.         WELLS FARG O DLR SVC {$3 300.00} Charged off account Fixed rate

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 01-03-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Trying to get loan modification for lower rates to no avail. I keep sending same info, they keep asking for. I tried to make payment until loan approved but they do n't allow that. This puts me in the foreclsure process instead of helping. I 'm currently at 7 % when other places are half that rate

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (VA).
Issue: Problems when you are unable to pay

Complaint: Prestige Finance continuously calls and texts my cell phone during work hours. They also have charged a ridiculous amount of fees to my delinquent account and this month was the XXXX month I have received a statement from them. So I have no idea of how these fees break down. They also record my calls and do not advise me of so when I call or when they call me. I also tried numerous times to complete a voluntary repossession and advised that the car was not operable and was with a third party mechanic in which I could not afford to pay for due to extensive rental car bills to get back and forth to work. Yet and still they constantly requested money for payments and stated that there were over a XXXX dollars in fees. But have never sent out monthly detailed statements to break down what was being paid and what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My wife and I recently sent the attached follow-up letter to Equifax. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX never sent me notice of this debt, and never gave me an opportunity to discuss or dispute the debt. Instead, they reported a debt to my credit report and sent the file to an attorney named XXXX XXXX, XXXX. This attorney then filed suit on me and had me served. I never knew the debt was in collections. After being served, I made contact and paid the debt through the office of XXXX XXXX, XXXX. I have requested that the collection account be removed from my credit report, and have been told that this is not a resolution they offer. I want XXXX XXXX to delete the account from my credit since it is paid. I will also begin contact with my State Attorney General 's office and will potentially sue this company for their business practices. Additionally, the " original debt '' was from a XXXX XXXX XXXX. This " bank '' reported the account to my credit as well. Both XXXX XXXX and XXXX XXXX XXXX are owned by the same company, and should not be able to report 2 separate entries for 1 single debt. I will also be filing  complaints and potential suits against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Credit card debt) with Global Portfolio Recovery, LLC (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I settled this debt on XX/XX/XXXX. Requested a lean release to be removed on my property. They have not completed the lean release so I can not refinance my house. I now have to pay for a second appraisal since the first one expired. They will not commit to remove the lean or give me any other information. 
Company : XXXX XXXX XXXX, XXXX XXXX my Account # XXXX

Company response to consumer: Untimely response
Consumer complaint received 03/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted several disputes to Trans Union credit bureau regarding incorrect information regarding a collection item on my report - XXXX. This is NOT my account. I have been insured with XXXX for over 6 years. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NH).
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: Experian and XXXX refuse to remove the three accounts on my credit, XXXX removed them already. XXXX REMOVED ALL EDUCATION ACCOUNTS BECAUSE THEY ARE NOT MINE! They belong to my aunt with the same exact name as me by marriage! Remove or Im getting a lawyer!

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 04-02-2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Debt collection agency hired by XXXX XXXX XXXX for services rendered on XX/XX/XXXX. I called XXXX and requested a copy of the itemized bill in XXXX and did not receive it. I did not get a call, or any additional information until XX/XX/XXXX from Optimum Outcomes XXXX XXXX XXXX, Set XXXX XXXX, NC XXXX XXXX Collection Agency. I then called our XXXX XXXX who sent over the samples to be tested, and they stated that XXXX claims they sent the itemized bill. My concern is how does this agency not validate a debt before posting on our credit report as required by the F.D.C.P.A. The bill has been paid in full, on XX/XX/XXXX, the damage the credit report was done, and they do not want to take any responsibility for not following up on our request for itemized bill.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE 4. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**

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 08/17/2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: I am able to pay my mortgage to Freedom. 
This is regarding Freedom soliciting a new refi. 
They called me at least XXXX times. The final time, I accepted. Then they took like XXXX months tostart the process, so I cancelled the refi. Nowthey are uncooperative. I understand that I am still aFreedom mortgagee, however they have beenuncooperative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: this company is reporting information twice on my profile. It is impacting my ability to get credit .I believe it is malicious and would like it to be removed as it is it illegal to report it twice

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Genesis Lending (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I paid off my Genesis loan I obtained through the XXXX schools then they were sued. I would like a refund for the fact that my attendance dates fall within the dates the schools were sued.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling my work saying they are trying to find my whereabouts always wanting information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Other debt) with Northwest Collectors Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt is past the statue of limitations as the first date of delinquency was on XXXX XXXX of 2009. I have contacted the original Furnisher of this information to verify the information that the debt collection company ( Northwest Collectors ) is reporting but after further review the original Furnisher ( XXXX XXXX XXXX XXXX ) can not verify this information or is inaccurate. As a result this collection should be immediately deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX my husband XXXX XXXX, my current address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I applied for modification over three times with Ocwen Loan Servicing LLC, Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX Contact person XXXX from the office of the consumer Ombudsman XXXX, Case number # XXXX. The modification was denied over three time the last application sent in XXXX XXXX was approved on XXXX XXXX, XXXX, after a filed a complaint to the XXXX, my contact person is XXXX phone XXXX. I raised my concern with the president of Ocwen and the time they gave me the runaround, just to tell me that I was n't approved for a HAMP. I was approved for an internal modification, which such my principal balance on XXXX XXXX was {$240000.00}, they are charging me {$130000.00} on late charges and other fees that they can not confirm. Ocwen proposed for me to sign a Balloon note for {$370000.00} dated XXXX XXXX, XXXX, In which I sent a letter replying to XXXX XXXX XXXX at the office of the consumer ombudsman requesting for then to reconsider the type of modification they were proposing. I also ask the reasoning of the kind of modification and the reason it took over two years to get an answer, which makes us more delinquent on our mortgage payments since they refused to take partial payment on my mortgage. I explained the reason we became late on our mortgage was husband got injured in the job XXXX and is a XXXX veteran, he 's pension took some time to get approved, and after his injury, we have an ordeal of medical bills. A year later in XXXX, I lost my job and was without working for about two years, currently working. I am not sure why they do not want to work with us on our mortgage. By then taking over two years trying to modify my mortgage impact my credit, and I am not able to take a loan for my children education, affecting my credit. We are not refusing to pay, and we just want to continue living in our house with our XXXX kids, and based on my husband current pension check and my salary we can afford it. Based on the latest communications with XXXX XXXX dated XXXX XXXX, XXXX, there nothing they can do, is a take it or leave it to offer on the modification sent on XXXX XXXX, XXXX. I believe their offer is very unfair, and they can not justify the balance owed, with fees that they can not justify. Please help us. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with U.S. BANCORP (WA).
Issue: Other

Complaint: Simple question : I got my free credit report at XXXX and it showed a credit card with a XXXX balance from 2013 at US Bank. I thought I closed it long ago if it 's the XXXX I remember ( XXXX card? ) and I 've kept no info on it now and contacted US Bank to close the card. They do n't have a record. I 'm concerned that old card being open for so long could be impacting my credit score. What can I do? 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 non-monetary relief
Consumer complaint received 08/17/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NY).
Issue: Application, originator, mortgage broker

Complaint: i applied for a loan of XXXX using XXXX property as collateral to citibank last year in oder to prevent the city from foreclosure on some tax lien on the properties and for some upgrading to it however the bank denied my application and has not provide me with explanation as to the reason. my credit is consider excellent above XXXX range. I was force to filed complaint in court but they have not care for my situation that at the moment am dealing with city attempt to foreclose on me cause cash situation. The case is pending in court for about a year and they have not change their position despite i being a gold category client of the bank.

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