milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit report shows an account listed as XXXX XXXX, in which account validity is still being verified, then once placed in collections which XXXX XXXX XXXX, the same account XXXX XXXX account is listed as XXXX XXXX. There is no consistency in the listing of the company name and one or the other should 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 04/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I moved XXXX and put my mortgage on auto pay with OCWEN financial services. The modified my mortgage by a few dollars and notified my be us mail. They did not send me anything via email and the mail never arrived through the XXXX postal system ( not a big surprise ). For two months I underpaid my mortage by a few dollars and was only made aware when my credit reporting agency notifed me. I immediately paid OCWEN via electronic payment the balance and changed the amount. I requested then ( XXXX 2013 and again last year, and again last month for someone to review this and correct the negative report. I have received no formal decision just notices that they will contact me if they need more information. 

I would like help in trying talk to a real person there even if it is International Long Distance to try to resolve this. The negative information dropped my credit score XXXX points and is still not back up to where it was despite perfect payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient called my workplace and one of my supervisors answered the phone, speaking with them briefly. He asked them not to call me at work and informed me that the " student loan people are looking for you again. '' A year ago or so, after I had instructed them to never contact me at work, but only my cell phone, Navient assured me that they had deleted the work number from their system and noted that I was to never be contacted at work. On my break, I called Navient, and the representative I spoke with confirmed the note that I was to never be contacted at work and that the number was flagged for deletion but that it had never been deleted from their system and she had to seek help from a supervisor to remove it. 

Navient has been sending multiple bills, both for old closed loans that had been reconsolidated with the Department of Education, and the newly consolidated loan with amounts and due dates that differ, making it appear that I owed not {$150000.00} but rather {$310000.00}. The representative confirmed that it still appeared that all the loans were active, but told me to disregard some of the statements I 've been receiving, and by the end of the call said that my account had been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was informed that I can check my Equifax dispute on their website. When I check the status of XXXX it 's says should be available on XXXX/XXXX/16 and even the automated system says my investigation is complete but when I go on the website it says pending and no information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Mortgage (Other mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I made a mortgage payment on XXXX XXXX with extra towards escrow. They applied the entire amount to escrow. I have been trying since XXXX XXXX 2016 to get this corrected to no avail, now it has been put against my credit. I have called 5 times to get the issue resolved and keep being told it will be another 2-3 days. I have also sent a fax ( that they requested ) twice on the XXXX and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I can not log in to Equifax website to dispute anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Vehicle loan or lease (Loan) with Auto Now Financial Services, Inc. (AZ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: I financed a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX AZ off XXXX XXXX and XXXX. Within 3 days I had to run a red light to avoid an accident because I had no brakes. I put 3 service calls into the dealer and they did n't call me back. I took the vehicle to my own mechanic and they gave me documentation that they sold the car with a faulty Anti Lock Brake System and all 4 lines were not connected. This is part of their compliance inspection before selling a car. I went to the location and the GM wo n't reimburse me and told me to go XXXX myself by the name of XXXX. I am trying to resolve this amicably because this is negligence and a complete liability. If not I will file litigation if you ca n't help me. I want compensation for my fees paid to the mechanic which I have documents for and about the faulty brakes and I want my monthly payments lowered immediately. I will not stop until I get resolve I am an extremely relentless person

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Our XXXX mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The XXXX mtg was sold several times. The XXXX account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Money was not available when promised

Complaint: On Saturday, XX/XX/XXXXmy roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. 
About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. 
We both went into a Chase and they said not to worry and just to wait a few days. 
After a few days, we contact Chase and they say we have to contact their claims department to get the money back. 
My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXXXXXX XXXX has to do something. 
For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. 
The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. 
Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. 
Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! 
They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. 
Both banks STILL wo n't cooperate even with the police! 
I even called the Chase Executive Customer Service number and submit a complaint on the XXXX of XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. 
Please help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with Continental Finance Company, LLC (PA).
Issue: Billing disputes

Complaint: This card is believed to have charged me more money than owed. Multiple inaccuracies charged to my account. I feel unsafe with this company having my credit information,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX Amount {$240.00} Opened XX/XX/XXXX Original creditor -XXXX XXXX Midland keeps trying to collect debt that was discharged in bankruptcy. They purached a junk debt, they have reaged the debt and refuse to review papers showing debt was discharged in XX/XX/XXXX. They are causing me financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: We are in the process of a short sale and the lender XXXX Wells Fargo XXXX has denied providing us a copy of the appraisal completed on XXXX/XXXX/2015. The lender actually informed us that due to it being an internal report and not for credit we cant receive a copy. They are clearly violating CFPB guidelines that state any means used to determine a property value are to be supplied. This seems to only happen when our value is good and the lender is trying to fraud the seller. We previously received copies on XXXX/XXXX/2015, dated XXXX/XXXX/2015. We sent in a value dispute package on XXXX/XXXX/2015 and the lender requested a new appraisal XXXX/XXXX/2015 completed on XXXX/XXXX/2015 the new value {$55000.00} down from the original appraisal of $ XXXX.Here is the file timeline:XX/XX/XXXX : short sale was XXXX : called spoke to XXXX XXXX Presidential team said they do n't give out copies as they paid for it, desktop value $ XXXX completed XXXX requested copy via XXXX : called spoke to XXXX XXXX XXXX, XXXX requested copy of BPO & fax XXXX : email XXXX XXXX, processor/negotiator requested copy of BPO & sent MLS XXXX : XXXX emailed me the address where to send request copies of Appraisal, fax/mail sent, Counter received at $ XXXX : MLS rebuttal emailed to XXXX XXXX XXXX XXXX Loan Adjustor Spec XXXX XXXX XXXX XXXX Executive Office called stating the appraisal sent via mail on XXXX : mail rcvd desktop appraisal $ XXXX dated XXXX : Value Dispute Package XXXX, XXXX, : email req XXXX : email rcvd XXXX XXXX ( Loan Servicing Specialist XXXX asking for loan # XXXX : email rcvd XXXX XXXX he ordered new XXXX XXXX XXXX XXXX XXXX : 3 faxes sent & mailed Req copies of XXXX : XXXX Executive Offices called copy will be sent out next XXXX : email req update from XXXX XXXX, called WF XXXX XXXX XXXX XXXX left VM XXXX called WF CS spoke to XXXX ID # XXXX transfer me to XXXX XXXX XXXX XXXX full appraisal done & got it back on XXXX came in $ XXXX : email XXXX XXXX update? Called WF spoke to XXXX ID # XXXX resent XXXX : email rcvd/reply XXXX XXXX asked for buyer highest/best I said buyer came up $ XXXX : fax rcvd Ltr SS withdrawal due to not rcvd docs on time by XXXX XXXX in Liquidation Servicing XXXX, emailed XXXX XXXX he said he did n't send withdraw but file is open with him. Need buyer XXXX : XXXX XXXX WF escalations called she is unable to send copy BPO due to it being internal use and not for credit I said per CFPB yes, will file complaint, 3 faxes/mail sent req 2nd copy of BPO XXXX mind you she called me on XXXX & XXXX previously and told me the copies were sent out for desktop appraisal )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Spent a XXXX on a simple credit score check. Was somehow automatically enrolled in and charged extra money for services I opted out of. Only discovered that I was enrolled after receiving emails with a detailed credit report and seeing charges for {$20.00} plus dollars in my bank account. This also happened to my husband and we had both opted out of these extra services but still were enrolled in them anyway.

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 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (MA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: My mother-in-law wrote a check at a XXXX ... the cashier processed the sale, but the check was written for the wrong amount. My mother-in-law went to the bank and store to try and resolve the issue. Not sure what happened but since then XXXX turned this over to a collection agency which " flagged '' her checking account ( which is all she uses, no Credit Cards or cash kept on hand ... she is over XXXX ). The credit Agency which I called today made me make a second payment of {$47.00} ( {$25.00} " penalty '' plus the original wrong amount ). They did not offer to send back her mailed in check payment and have not guaranteed she will ever get the money back, i.e. they are collecting this debt twice. Further they are using two separate companies to confuse people. The company that you call is XXXX XXXX XXXX while they company hired by XXXX is TRS Recovery Services. This allows each of them to not take ownership of what the other mistakes are done. However, they both have the same address, which is XXXX XXXX XXXX XXXX XXXX TX XXXX they have a XXXX in the same town/zip. They also pulled the trick of making me get her on the phone to authorize me to talk on her behalf, only to say when I called back that they had no record of it. 
They would not provide me with a address at first until I told them that I was filing this complaint. This type of practice should not be tolerated ... especially to older people. The mistake was not my mother-in-laws but the cashier at the store. Now she has had her checking account flagged thru " tele-check '' ( not sure if that this the right company ). TRS is completely unwilling to take accountability for what XXXX has done going as far as to say they are different companies ... how can that be when they have the same address??? Please help stop this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I never received promo bonus for opening my account. I have met all the terms of the promotion

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 12/19/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: My home was impacted by hurricane XXXX.I called Wells Fargo and made arrangements for my next payment to be the XX/XX/XXXX billing statement.I received notification that this arrangement was made via email...I just received an email below stating I missed my XX/XX/XXXX paymentI called three different departments at Wells - probably on hold a total of 75 minutes - spoke with a customer service agent who couldnt help with anything for about 3 minutes verifying information...Not a single person I spoke to could confirm the arrangement - move my payment to XXXX and waive a late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Managing the loan or lease

Complaint: I pay my car payment every month online using Capital One 's online system. I scheduled my payment on XXXX for my regular car payment of {$520.00} to be pain on the due date which is XX/XX/XXXX, after I chose my method of payment which is using my bank account and selected my date to submit payment. I agreed to authorize Capital One to collect that specific amount from my bank account. I logged into my bank account to balance my ledger when I noticed that Capital One collected {$1000.00} from my account instead of the amount I authorized, which was {$520.00}. I immediately called Capital One as well as logged into my account in their system to see what happened. I noticed in their system that my payment I scheduled did not show up, nor did it reflect the payment they collected from my bank account. In fact their system showed I was delinquent in paying my car payment. I spoke to a representative to get an understanding of whatever mistake they made, and i told her they needed to refund the additional {$520.00} they took out of my account unauthorized. She informed me that I have not made a payment since XX/XX/XXXX and that the payment they just collected from me was applied in the following manner : {$520.00} toward my principle and {$520.00} toward interest! 

I let her know that Capital One does not have the authority to decide how munch money is applied to my principle or interest, nor the authorization to take more money out of my bank account than what I authorized and that they need to rectify what they have done! 

She informed me that I needed to show proof of the payment pending on bank statement and send it to them via fax and that they will launch an investigation to determine if a refund will be provided. I told her that banks do not provide current bank statements, and that I would print out my account summary and fax it in to them to review and that a refund will be provided otherwise its called stealing, which they have done when they took more than my normal car payment out of my account and that they will also be responsible for any overdraft fees I incur because of this. 

I called Capital One again on XX/XX/XXXX to follow-up in regards to my fax i submitted and they informed me that they have not received my fax, or my payment. I checked my account online while on the phone with them and let them know that they have officially collected payment, because the transaction has now posted to m y account, so I don ; t understand how they can not have knowledge of my payment, but collect an unauthorized amount from my account, how can you explain your ability to access my bank account? the rep XXXX said he submitted my complaint to the allocation department and that they will contact me within 2-5 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-04-2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I went to my online Dovenmuehle account in late XXXX, 2015 to increase the principal payment to my monthly mortgage payment by {$700.00}. I changed my mind and went back online and entered {$0.00} in the box for additional payment. My XXXX bank statement showed that Dovenmuehle did in fact withdraw the additional {$700.00}. I went back online to check if I had not cleared the additional payment. The amount was {$0.00} for additional payment. I assumed I had made the change too close to the payment date and did not contact the mortgage company. My next automatic payment was again for the increased amount. I called Dovenmuehle and explained that the additional payment was incorrect and asked that they reverse the payment to my account and withdraw the correct amount. I desperately need the additional {$700.00} this month and last month too! The mortgage company said they could not reverse the payment, required me to print off my bank statement and fax to them to prove that the funds were actually withdrawn ( they do n't know that?! ). The mortgage company will write me a check and mail me the refund. I wanted the money put back into my account now not later. I know they can make that happen but they were not willing to do so. So much for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been dealing with this collection agency, they have called my house five times a day. They have not properly validated the debt, and have not provided proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NJ).
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 have a Chase Auto Loan Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called Chase Auto to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. Chase Auto Finance is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting Chase Auto Finance to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. please rectify this error on my credit report. Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. Thank you

Company response to consumer: Closed with explanation