milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: An insurance check from   XXXX   XXXX    county   XXXX   XXXX   XXXX   was addressed and issued to the Insured policy owner and the   busines s   ( auto body shop ) for repairs  on our vehicle created by an accident. A claim was made to the insurance company ; therefore a check was issued and the ins urance adjuster hand delivered the check to the owner of the  body shop and t he che ck was Payable to : the insurance policy owner and the   body shop       XX/XX/XXXX . The owner of the body shop took the Check to Wells Fargo Bank on  XX/XX/XXXX  a  nd the teller directly deposited the check WITHOUT the Insurance Policy Ow ner 's signature. I received a copy of the check from t he Insurance Co. and no  signatures were on back of the check. On the back of the Check it states : Personal Endorsement of Each Payee Required ENDORSEE : Please endorse check exactly as your name appears on the face. THEN it was stamped by  Wells Fargo " CR EDITED TO THE ACCOUNT OF WITHIN NAMED PAYEE ''. The amount of the check is twice of the quote given to us for repairs ; therefore, this money was stolen and falsified. Therefore, I am filing a complaint against  Wells Fargo on a llowing funds illegally to be deposited to t his body shops account without Consent. No Consent form was signed nor do we   have any invoices on the body work done to the vehicle. Requesting the difference of the amount quoted to us for the body work done. A verbal quote from the body shop was {$2100.00} and the check was written for {$4800.00} due to the lack of responsibility on  Wells Fargo Bank allo wing this individual to take money without our consent and due to the nature of this claim our insurance premiums went up.

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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment history

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 09/16/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I own a rental property and our current first mortgage was sold from XXXX to Ditech. We have not received any statements or an account number. We have tried to contact Ditech at their customer service number XXXX. We are able to use the automated repsonse system to obtain balance information, but it does not provide an account number. We when select the system prompt to transfer to a representative, the voice response system transfers us to a mailbox that is full. We are unable to get in a contact with a person. Our mortgage payment is 16 days past due and we are unable to willingfully make a payment. We also did not receive any information from XXXX or Ditech regarding the transfer of mortgage servicing rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern, I write this complaint to seek clarification regarding information reported to my XXXX credit report. Quite illogically, my XXXX credit report is reporting what appear to be identical records on multiple occasions - artificially inflating the number of credit accounts on my credit report. Specifically, as can be seen in the attached document, accounts with the XXXX XXXX XXXX/NELNET and XXXX XXXX XXXX XXXX are reported in what appears to be a duplicate fashion. Which, notwithstanding other potential problems, constitutes a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TransUnion 's had a computer glitch problem that happened twice. That was not my fault or my problem. So it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. Those inquiries being added back on has made it impossible for me to even be looked at for getting a loan to consolidate my debt. my rights were violated by TransUnion. Will CFPB help me make TransUnion stop victimizing 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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Today XXXX XXXX 2017 I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. Equifaxs blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! Equifax clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I took out a mortgage for $ XXXX with XXXX in XXXX. I have made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the XXXX XXXX XXXX XXXX , XXXX tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX again tried to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX, another fake servicer called XXXX XXXX XXXX attempted to assign my deed of trust. ( Exhibit B ). They allegedly made XXXX XXXX XXXX, XXXX. the " Trustee '' but there is a clear conflict of interest and XXXX XXXX XXXX, XXXX. has denied any involvement in my loan. My deed of trust on p. 24 ( attached ) specifically states that only the LENDER can substitute the Trustee. To date I do not have any evidence who the " LENDER '' really is. In fact, none of these private debt collector companies are the LENDER.These companies including the Trustee XXXX XXXX XXXX, XXXX. have not sent my Attorney the requested documentation. ( See letter dated XXXX/XXXX/XXXX attached ). They have not given me an updated running balance of all payments made to date, which leads me to believe all this is fraud and would like for the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The last two years I 've repeatedly asked EOS CCA to stop calling me about a debt regarding XXXX XXXX XXXX Im XXXX XXXX XXXX. EOS CCA has repeatedly told me that they will take my number off their list but this is not the case they have called me at midnight one two and three and four in the morning and repeatedly and one day. This company has called me so much that I 've had to block every phone number that calls my phone except for persona emergency contact numbers. This company has you threatening tactics they told me they would have me arrested again I told them I am not XXXX XXXX.They have also said that they would charge my cell phone bill in oder to collect the money XXXX XXXX owes.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA VIOLATION REPORTING INACCURATE INFORMATION THAT I HAVE NO KNOWLEDGE OF PLEASE REMOVE

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: CAPITAL ONE BANK USA NA made an unauthorized credit inquiry to my XXXX credit file

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose prepaid card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint: RE : USAA Savings Bank I entered an automatic payment of {$230.00}, and stipulated the posting date as XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, the amount was withdrawn from my bank. 

However, funds were not available on my prepaid XXXX. 

On XXXX XX/XX/XXXX, I spoke with a USAA CSR, ( 40 minutes, 54 seconds ). 

I was told that my " payment history '', " credit history '', " source of funds '', and " # of payments '' were factors related to the delay, and that a 10-day hold had been placed on my account. Notification of the " defender hold '' was not received via the app, email, phone, text, or USPS. Of note : ALL of my prior payments were made prior to the due date, I hadn't made any attempt to exceed the prepaid limit of my card, ( {$250.00} ), the account used for the payment had remained consistent, and prior payments were posted upon receipt. 

I was dissatisfied with this explanation, and XXXX, ( XXXX ), refused to provide his employee id #. He further suggested that the " payment was large, compared to my credit limit ''. 

A subsequent CSR educated me about the Credit Card Act of 2009 and " money laundering ''. 

The hold caused significant financial financial distress, in that I was attempting to pay the entire balance due, had no access to the funds in my checking account OR XXXX for 10 days. I had no access to other funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (MD).
Issue: Managing the loan or lease

Complaint: Mariner Finance reported my account as closed derogatory to the credit bureaus when my account is still in good standing. The also did this in XXXX XXXX. I did fall behind XX/XX/XXXX and XX/XX/XXXX, but made an agreement with the company to bring the account current which I did and have not been late since. They told me they do n't report to XXXX for months but they do. Now the company is saying XXXX wo n't change it on my credit report. I have been getting the run around since XX/XX/XXXX when I first called. Even their attorney is being difficult and not trying to resolve this issue.

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 03/29/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (IL).
Issue: Taking out the loan or lease

Complaint: I submitted an application for a loan at rise credit on Friday the XXXX of XXXX was approved in regards to waiting proof of income in which I also submitted on Friday the XXXX of XXXX and again on Monday the XXXX of XXXX. I 'm filing this complaint against the company because they advertise if approved the money would be into my account as early as the next business day and today is the XXXX of XXXX and the money has not been deposited into my account yet nor have I had the opportunity to complete the final steps of my application. This, I believe is false advertisement. ( See attached documentation. )

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Loan Servicing , LLC conducted a loan modification without my knowledge nor authorization. My signature was forged on a loan modification document which was not notarized. I am the co-borrower on loan # XXXX. I have attempted to be removed from the mortgage which has negatively impacted my credit. I am held financially responsible for such loan although decisions on the loan as well as a modification have been made without my knowledge or consent. I should not be held financially responsible for a loan which I was not informed of the new terms and conditions that I did not agree to. The co-borrower ; as well as her family members have gone back and forth on deed / ownership of the property and also have been involved in fraudulent mortgages in the past ; including co-borrowers ex-husband and father both of whom have filed bankruptcy over foreclosures. I am deeply concerned with my credit since I have not lived in the property for over 8+ years, do not have any financial investment in property nor do I make any payments towards said mortgage yet I am negatively effected as a co-borrower. OCWEN does not correspond nor consult me in decisions made on the loan my name is attached to. **NOTE : I do not know which mortgage process my issue is related to below

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Auto) with Coastal Credit, LLC (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Coastal Credit filed a judgement against me for an auto debt. This debt was settled in full six months ago. They left a residual balance that they apologized for and removed in XXXX. I have spent several months trying to get Coastal Credit to release this judgement and send me documentation. Each time a different person claims they are doing it and it never comes.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Conventional fixed mortgage) with Alabama Housing Finance Authority (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I had my mortgage with XXXX Mortgage and now it has been transferred XXXX, which is serviced by ServiSolutions. I was not notified of the transfer until the transfer had already happened, and my mortgage payment that I scheduled for XXXX XXXX, 2016 ( which was due XXXX/XXXX/2016 ) did not go through to XXXX because they had already transferred it from that point. I have received nothing from ServiSolutions and have n't been able to pay through them via their site or phone because neither have worked for me ( the site is saying they do n't have my loan and no one is picking up the phone ). I only received a letter from XXXX on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (KY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I was contacted by Hunter Warfield for the first time on XXXX XXXX, 2016 in regards to a debt they say I owe. I am disputing this debt and sent two letters, one on XXXX XXXX and the second letter on XXXX XXXX, requesting information regarding this debt I do not believe that I owe. The second letter also included a request to cease all phone communication and only contact me via mail. I sent both these letters via certified mail, so I do know that Hunter Warfield received both letters. I was called on XXXX XXXX AND again on XXXX XXXX, asking why I have not paid my debt AFTER requesting that all phone communication cease.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016, a check for {$200.00} was withdrawn from my Wells Fargo checking account. I believe that check was not written or my husband and demand to be reimbursed for {$200.00} unless Wells can prove one of us wrote it. The number on the check is # XXXX, which was far out of sequence. Another check that cleared the same day was # XXXX. I called Wells Fargo customer service on Saturday, XX/XX/XXXX, to ask to get a copy of this check, because when I click on the image of the check online, it says the check was not available. The other check that cleared the same day was available online. I spent more than an hour on the phone with four different customer service reps. The first one passed me to the second one, without informing the second one of the nature of my call. The third one said I would need to pay {$25.00} per hour for Wells to research this, which is absurd because it is Wells Fargo 's fault the check is not available online. The fourth " executive '' rep said I should go to the branch and they could get a copy. Doubtful, I asked that person to call the branch to make sure they could do it before I wasted any more time. She called and the he branch said no they could not get it, so I am glad I saved myself the trip. The fourth agent said she could not help me because it was a Saturday, but promised to have someone call me on Monday, XX/XX/XXXX. No one called me on Monday, or any other day this week. So now I am at wits end. I do n't know what else to do. Maybe the CFPB can help.

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 09/20/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Within the last 6 weeks, EOS CCA has begun calling me from an Alabama number. However, they are based out of Massachusetts. They are calling me regarding an XXXX XXXX XXXX debt from XXXX XXXX. This debt came off my credit report last year. It is no longer a valid debt. I informed them that the debt is no longer valid. They said it does n't matter because they have an active account in their system for the debt. They also claim that I made a partial payment in XXXX and XXXX. I have asked for proof, but they have not provided it. On the most recent call, I was informed that no payments have been made on this account ever. So which is it? Either I made payments 3 - 4 years ago on the debt or I did n't. I did not. If they 've had this debt in their system since XXXX, why am I just now hearing from them 4 years later? The statute of limitations for this debt in my state is 3 years. The SOL in the state I originally had this debt is also 3 years. The SOL for this debt expired 5 years ago for either state. I have not acknowledged this debt in writing nor have a made a partial payment on this debt. However, the rude customer service representatives tell me they are glad I know the law, but they will continue to call as it is an active account in their system regardless of the law stating they can not collect. This is harassment!

Company response to consumer: Closed with explanation