milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: This is a follow up to Case number : XXXX. 
Wells Fargo Bank gave me a response through your agency. However, they were being deceitful ( as explained in my response to their response ). They were being deceitful to you in regards to the actions that my father and I took, namely call the number they gave us to give authorization for the case to proceed. The case is not closed and now that they have the verbal authorization from my father on their audio recording, they are still holding on to the {$600.00} in fees they took from my parents. I have also sent XXXX XXXX of Wells Fargo a hard copy by U.S. Mail informing him/her of the audio recording authorization and they have refused to refund the fees.

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 03/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit reports reflect a debt in the amount {$770.00} owed to XXXX XXXX XXXX company as the originator. I have disputed this debt numerous times for years with no success. Each time the debt returned as verified. I requested verification of this debt, but have received nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced a loan with Nationstar in XXXX XXXX and every since I have been making Bi-weekly payments and since then I have to send an email through the website on my account to correct the total payment every month. All other financial institutions I deal with accepts biweekly payments accordingly with no issues. Why cant nationstar? They advertise biweekly through there system but I do automatic payments through my bank. I have used there XXXX XXXX XXXX in the past with biweekly payments and the money was placed in full once a month therefore not reducing principle and interest as it should have as advertised. I do n't understand why they cant handle biweekly payments as others do.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: XXXX XXXX called me at XXXX PST. Calling about my second mortgage. I am one month ahead in paying my bill and been harassed before by XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX Mortgage has been reporting delinquencies to the credit bureaus for XXXX XXXX through XXXX XXXX. I did a modification of mortgage with XXXX as servicer for XXXX in XXXX through XXXX [ XXXX ID : XXXX ]. In a letter from XXXX they confirmed that they did not obtain this loan as a result of the XXXX Chapter XXXX XXXX bankruptcy filing under case XXXX. The servicing rights to the loan were sold to Green Tree Servicing and my account number with them was XXXX. XXXX did an Assignment of Mortgage to Green Tree Servicing on XXXX/XXXX/XXXX and it is recorded in Official Records Book XXXX, Page XXXX, Public Records of XXXX, Florida. After the Consumer Financial Protection Bureau and the Federal Trade Commission fined Green Tree, Green Tree Servicing merged into a new company called Ditech XXXX XXXX, who is now the servicer only has records back to XXXX XXXX per a letter I received from Ditech on XXXX XXXX, XXXX. I have disputed this incorrect information being reported to the credit bureaus and they have come back as 'verified ' but none of the entites remain except Ditech who does not have any information in their records from prior to XXXX. This is an issue I need resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MD).
Issue: Credit decision / Underwriting

Complaint: I got divorced in XX/XX/XXXX i got a mod pd XXXX payments XX/XX/XXXX i had a bad motorcycle accident then they took it back i fault with them for 4 years then they told me my name was not on the morg. they have been reporting on my credit for 5 years and have ruined my credit, to the point that I am unable to get a mortgage. My credit was ok until this started. I have even tried to get a mortgage through them, but they told me they were unable to give me a mortgage due to my credit, that they ruined. Now I must go to court XXXX XXXX for a status conference, and this is the XXXX. They said that they sold my house and I never got any paperwork of the sale or date of sale. I do not want to loose my home. They have done so many illegal things. I have had to hire a company to get my credit straight and get them off of my credit report. I have so much more to say and do not know where to begin. I have not even had my day in court to tell the judge what all has happened while trying to save my house. Can you please help me? the morg. is still in my xwifes name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Take my bankruptcy off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Convergent calls and sends letters stating that I owe money on a phone bill when the phone company says I do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Under Section 611 of the FCRA, by Law I did n't receive a Letter Notification of Re-Insertion of Inquiries within 5 days or at all. I called Transunion in reference to their Error in their System and Customer Service did n't take care of it, help me nor Remove the Inquiries on my Credit Report. Credit Inquiries on Report : XXXX XXXX - XXXX XXXX XXXX XXXX, MD -XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX -XX/XX/XXXX I did not Authorize these Inquiries nor autograph my signature on an application to pull my Credit Reports.

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 10-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: More than one year ago OCWEN financial services the holder of my second mortgage told me I needed flood insurance. I gave them documentation from FIMA staing that my residence did not require the mandatory insurance for flood. After speaking to several representatives and sending them the documentation, the instituted a flood insurance policy and started taking out escrow payments from my monthly payment. This ultimately put my account in a negative position. I have called them insistently for the past year and then they told me " Yes '' in fact I did not need insurance. They refunded my escrow money via a bank check once again putting my account in a negative position, I called again did a phone bank transfer to bring my negative balance which they made negative, to a current status. I have spent more than XXXX hours on the phone speaking to everyone all over the world only to have them report my account to the credit bureau and reduce my credit rating by more that XXXX points. They have failed to live up to their promises and reassurance that this would not be done, due to their mistake? I am beyond perplexed and now damaged on my credit history. Can you please help me? PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i filed chapt XXXX XX/XX/2010 ... .EQUIFAX will not remove item from credit report ... .been 7 years ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage on my home that was paid off in full XX/XX/XXXX when I sold my house. The mortgage was serviced by Ocwen at that time. XX/XX/XXXX, I applied for a loan on a new property. I was told by my lender that my credit report still showed an open loan on the property that was sold XX/XX/XXXX. Furthermore, the credit reports showed that I had been delinquent on the payments from XX/XX/XXXX to XX/XX/XXXX. I contacted Ocwen and they offered a " Satisfaction Letter '' and told me to take care of it myself. I contacted my lender and the credit reporting agencies, and was told this information regarding loan satisfaction needed to come from Ocwen directly in order to update the files and correct the error. Since then, I have made hours of phone calls to Ocwen requesting that they submit the correct information to the major credit agencies showing that this loan was closed XX/XX/XXXX, paid in full and that there is no delinquent balance. They have been extremely incompetent and unhelpful in getting any type of quick resolution to this matter. They continually tell me that they submitted the XXXX XX/XX/XXXX. This may be true, but it clearly needs to be submitted again with correct details because my credit report is showing incorrect data for the Ocwen loan at XXXX, XXXX and Equifax. This is now costing me and my family considerable time and money and it appears as though our only remaining option is legal recourse against Ocwen due to their gross negligence in reporting. We are talking about a loan of approximately {$960000.00} that they are reporting inaccurately, so a significant amount of money is at stake in this matter. All I have ever wanted to happen is for Ocwen to contact the XXXX major credit bureaus and report the corrected information which is : The loan was paid in full XX/XX/XXXX. 
There is no outstanding or delinquent balance. 

Ocwen has repeatedly proven inept, unwilling and uncooperative in resolving this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The below information was also sent directly to XXXX XXXX on XX/XX/ XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. -- -- -- -- -- On Monday, XX/XX/XX/XX/XXXX, I was informed about an offer to add authorized users to my Platinum card. I was informed by several agents both with Platinum Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry. After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. I am requesting that this hard inquiry be removed from my Experian account. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.

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 09/27/2017 about Credit card or prepaid card (Gift card) with WELLS FARGO & COMPANY (GA).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: Wells Fargo issued me a {$100.00} XXXX gift card about a year ago. Went to use the card recently and there was no balance on the card. I have called Wells Fargo multiple times to resolve this matter to no avail.

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 11/30/2017 about Checking or savings account (Savings account) with DISCOVER BANK (PA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I need help resolving an issue with applying for a Discover Bank deposit account. I am XXXX XXXX XXXX and a long time discover card holder. I recently decided to also open a savings account and it has been a surprisingly poor experience. There are many options where I can put my money but I have always been happy with my discover card. In setting up my savings account, I attempted to take advantage of one of its recurring promotional offers in XX/XX/XXXX. My promotional code was XXXX. To qualify for the promotion, I needed to apply by XX/XX/XXXX and make a deposit of $ XXXX by XXXX to obtain a {$200.00} bonus. I did apply by XXXX as required but the deposit of $ XXXX did not occur until XXXX, 9 days late. However, there were many other customer service encounters in between that were poor. There were many gaps in what was promised and what was delivered in terms of emails and returned calls. I believe some of these were intentional obstacles so Discover Bank would not have to pay me the bonus. I appealed to the higher ups at Discover Bank and they still have not paid the {$200.00} bonus. They run promotions like this all the time and my guess is that I am not the first person to face obstacles and delays so they did not have to pay the bonus. Additional details are in the attached timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (ND).
Issue: Loan modification,collection,foreclosure

Complaint: We have not received a statement from Citi Mortgage who is our lender, since XXXX 2016. In XXXX we had to pay {$26000.00} to Citi Mortgage in reference to a repayment plan due to being denied for a modification. We have no idea what our new balance is. If we have even received credit for that payment. We have also made payments in XXXX and XXXX that we have no record of proof it has been applied to our loan. On XXXX XXXX 2016 we received an email regarding a returned billing statement. The email states that the correspondence recently mailed was returned. I called the number on the email, spoke to XXXX XXXX. He verified the address he has and it is the correct address. 
We have received other correspondence in the last couple months from Citi Mortgage so why would we not receive our statements. Our address has been the same for the last 30 years. 
Citi Mortgage has violated the periodic statement rule. They have violated our right to ensure that we receive prompt, regular, and accurate information about our mortgage loan. 
This error made by Citi Mortgage puts us at risk since we are in a foreclosure status until our repayment plan is complete. In the past we have dealt with an enormous amount of errors made by Citi Mortgage with the modification process and this is another one to add to the list. 
Why an email now and not 4 months back since XXXX is the last time we have received a statement?

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 09/18/2017 about Debt collection (Medical debt) with Alpine Credit, Inc (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted Alpine Credit Inc. on XX/XX/XXXX I spoke to a representative in regards to a medical debt I owed. I asked the rep if they were willing to offer a settlement to pay two debts that were in their office. The rep said they were willing to give me a settlement offer to pay these two debts in full she gave me that dollar amount I told her that I would send them a check in that amount to have these two accounts paid in full. I then asked her once she received my payment could I get a paid in full invoice, she said that I needed to call back and that once the payment was received they would send me a paid in full invoice. 

I called back on XX/XX/XXXX to make sure they received my payment and get the paid in full invoice. The rep I spoke to told me that my accounts were not paid in full and that I owed additional money and that they would not be sending me an invoice that these accounts that were paid. I told her that I spoke to a rep on XX/XX/XXXX she told me a dollar amount to send that would pay these accounts in full. The rep then told me that I was must have misunderstood because the notes the other rep had put in computer showed that I was only receiving {$25.00} off my balance and that I needed to send them more money. I then asked the rep if I could speak to a supervisor because that is not what I was told, she told me she was the supervisor and that I still needed to send more money. I asked her if all the calls were recorded she said yes they were I asked her to review the recordings to clear this up. The rep said she would and would get back to me in a couple of days. 

I called back on the XX/XX/XXXX I was told the rep I have been working with was at lunch and to leave a voice mail, so I did asking her to call me back. I did n't get a call back from her so I called again on the XX/XX/XXXX left anther voice mail. Still after not getting a call back I called on Friday XX/XX/XXXX spoke to another rep she said that the rep I have been working with was reviewing my file and that I would receive a call back that day which was XX/XX/XXXX, I never received a call back.

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 08/14/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: My daughter recently tried to help us move and get a mortgage through Quicken Loans.. She was at my home and on the phone with them.. My wife was also in the room. I was busy playing with my grand kids and on the computer when this conversation was taking place.. I got alerted when I heard some personal info being shared. I immediately took notice and informed my daughter that whatever she was working on or with whom, to not let them run a credit inquiry on my behalf. I am in the midst of rebuilding my credit and did not need this at this time.. Too late. The Quicken loans representative informed me that he had spousal permission to authorize the inquiry.. I do n't understand that this is legal.. My daughter had been in conversation with my wife at the time and told my daughter it was ok to run a report.. However I did not authorize this action.. Is spousal consent legal?? I have contacted Quicken Loans and disputed this but to no avail. They tell me this is legal.. I feel very angry as I do n't think this is a good business practice.. Whom does it benefit? They did n't write the loan, my credit suffers and they walk away.. I thought Quicken Loans would do the right thing and remove this inquiry as they clearly stated they can hear me in the conversation strongly urging them to not pull my report. Quicken Loans absolutely wants to do nothing to help me the consumer. they told me to come back when my score was better.. They hurt my score by an unfair tactic.. Why would I ever want to do business with such a company! Again I never authorized this inquiry and our family is busy as others and I think Quicken loans was being very deceitful in the process of talking to my daughter.. I thought they would do the right thing when they pulled the tapes, but they refuse to do the right thing and let me the consumer suffer.. Please people do not allow your family to do business with Quicken Loans!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is reporting a account with XXXX XXXX The account is paid per the credit report but this account continues to report with a bad payment history. This is not my account and under the fair debt collection practices, it 's illegal to report inaccurate debt. I ask for validation of this debt, signed contract, with my signature. I would be so grateful if this would be removed.

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 11-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I previously filled a complaint ( XXXX ) and we ending up coming to a resolution, albeit not an ideal one. However, I have been receiving phone calls about getting payment. I 've also received emails about an outstanding balance being due which is absolutely unacceptable considering the solution from the last complaint. 

The last phone call, with a woman named XXXX, claimed that there was nothing on my account stating a deferment and that I had to contact her XXXX XXXX XXXX. XXXX informed me that I would have to speak to XXXX about this and gave me her email. I have yet to receive a reponse in a timely manner with absolutely no update on the situation. 

I find the handling of my loan to be unprofessional and unorganized. How is this private company not held accountable after seeking government assistance in this issue?

Company response to consumer: Closed with explanation