milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home loan with Wells Fargo which is currently in the arrears. I have owned my home for 42 years and have been trying to work with Wells Fargo agents on negotiating a reasonable payment plan, restructure, either a restructure or loan modification. However I can not seem to get through the red tape. No real help has been offered nor have I been accurately reviewed for any other options that would lower my monthly payments. I have done everything I can think of to resolve matters with Wells Fargo, again to be ignored. They never designated a single point of contact. With Wells Fargo receiving XXXX dollars in incentive relief for assisting struggling home owner like myself for a loan modification from the Department of Treasury, as part of programs such as Making Homes Affordable. I am now facing foreclosure and in desperate need of assistance as my husband and I are in our eighties and have nowhere to live. XX/XX/XXXX I refinanced my home by signing a purchase money loan. I tendered my payments on time as agreed. However my husband had a XXXX on XX/XX/XXXX continuing through XX/XX/XXXX. Due to his length in XXXX we begin struggling to tender our mortgage payments. I did the best we could to keep up with our mortgage payment going so far to deplete our savings reserve we eventually defaulted with Wells Fargo. XX/XX/XXXX I contacted Wells Fargo advising of our struggles to tender my mortgage payments on time. Wells Fargo agents offered me the opportunity to apply for a loan modification ; I returned the required loan modification application, along with all requested documents. After receiving what seemed like a paper-chase along with all the run-around after all that, a decision rendered was a denial due to low income. I have attempted to work things out with Wells Fargo, but all of my efforts have yielded negative results. Wells Fargo Agents have been unwilling to work with me. No review of my current financial circumstances has been opened or discussed and no home retention options have been offered. Desired resolution : I want Wells Fargo to immediately stop this foreclosure activity and take a long, hard look at my CURRENT financial situation in an effort to assess my ability to pay a lower monthly mortgage payment. I also believe I qualify for other programs and thus would like to be considered for any and all government programs and home-retention options that are available to me. I do not want Wells Fargo to foreclose on me. I disparately want Wells Fargo to give me a second chance to save my family home. Why ca n't Wells Fargo restructure my loan to give me some relief in accordance with government guidelines? PLEASE help me convey to Wells Fargo to stop all foreclosure activity and review my file. I am so scared my husband and I will be homeless at our age. 

XXXX XXXX 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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: REFER TO - ( cfpb complaint XXXX ) PROVIDE YOUR METHOD OF VERIFICATION VIA FCRA 611 ( a ) ( 6 ) and ( 7 )  within 15 days of said complaint. YOU HAVE NOT!, AND BECAUSE OF THIS YOU LEAVE ME NO OTHER OPTION THAN TO SUE FOR FCRA VIOLATIONS AND NEGLIGENT NON COMPLIANCE. 

ACOUNT- XXXX XXXX/XX/XX/XXXX XXXX, XXXX XXXX/XX/XX/XXXX XXXX, XXXX XXXX XXXX NONE OF THESE COMPANIES HAVE A CONTACT OTHER THAN PHYSICAL MAIL, YOU NEVER PROVIDED ME THE PROOF OF HOW EQUIFAX VERIFIED ANY INFORMATION WITH CREDITORS. 

ATTACHED IS A LAWSUIT I WILL BE FILLING SOON IF YOU DO NOT ADDRESS THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with Dobberstein Law Firm, LLC (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This agency/law firm/debt collector sent collection letters for an extended amount of time to the WRONG ATTORNEY IN WISCONSIN XXXX, WI. Per the XXXX XXXX XXXX XXXX XXXX, this complaint closed and the attorney was found to have made the error unintentionally. As of XX/XX/XXXX, a judgement for {$3400.00} was filed and ordered. Currently, incorrect information is listed on this case. The Wisconsin Public Records states for this case has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI as a c/o recipient to receive mail effective XX/XX/XXXX. This information is false. XXXX XXXX was not retained as my attorney for this case on that date. Neither XXXX nor I were aware of any attempt of debt collection prior to XX/XX/XXXX. Dobberstein Law Firm, Attorney XXXX XXXX, admitted to mailing any and all collection documents to the wrong attorney. I, XXXX XXXX, was unaware of attempts for contact or collection in XX/XX/XXXX until I received solicitation letter mail from Bankruptcy Attorneys notifying me that I was being sued. Not only did this law firm send all attempts to collect debt to the wrong attorney, the county court house included the wrong address to send correspondence to after the judgement was filed. I will not receive any documents regarding a pending garnishment, nor will my attorney, since the debt collection law firm made valuable mistakes with legal documents. I was not notified in the proper amount of time to work out a repayment plan before a court date was scheduled. After the court date was ruled in favor of a garnishment, the debt collection law firm continued making mistakes when submitting information to the county clerk. As of XX/XX/XXXX, the name of the representating attorney is correct, but the wrong mailing address. This law firm should be held liable for malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX 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 non-monetary relief
Consumer complaint received 10-05-2016 about Consumer Loan (Installment loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (KY).
Issue: Managing the loan or lease

Complaint: GM Financial is reporting negative account information to the XXXX major credit bureaus. I have faxed, emailed and called about the inaccurate late payments and they have not as of yet corrected my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Credit card) with SACOR FINANCIAL, INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sacor Financial XXXX Inc has taken over the debt that I owed to a credit card. They take {$300.00} from my bank account on a monthly basis. I have asked if there is interest and do not get clear information. I have asked for a statement and was told that is not there practice. They only send me a reminder letter on a monthly basis reminding me they are withdrawing {$300.00} from my bank account. I have asked how I can keep track of the balance re : my payments and interest. They informed me they are under no obligation to do this and it is not their practice. They are not " set up to do that. I have called and emailed numerous times and XXXX XXXX XXXX - the only person who can help me is always out of the office. I have not actually spoken to him in XXXX months. I am not disputing that I owe money - I am asking for verification as to my balance on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Yesterday in finding that Bank of America had passed my loan servicing onto another company due to their incompetence, I sent not as much a complaint as statement but now I have formulated the basis of another complaint. Bank of America has consistently proven their incompetence and/or pure disregard for providing competent services so all of this should be of no surprise. 

The basis of the complaint is that Bank of America in passing this loan on has reported 1 ) an incorrect balance owed on the account and 2 ) an incorrect status. 

Incorrect status : I have now provided BoA twice my insurance information and that includes the documentation from last year and this year and twice they have ignored at least part of it. The 2nd time I provided this was just a few weeks ago and as with the 1st time, it 's documented with the CFPB as that 's how it was submitted. This should have cleared all past amounts owed, it should have lead to the entire account being 'reset ', all fees eliminated and come with an acknowledgement that Bank of America was wrong. Instead it appears they did nothing except report that the account is delinquent subsequently leading to all sorts of threats from the new servicer. That status of the account should be that all payments have been made and is up-to-date and I have the documentation to prove all requested documentation has been provided and all payments have been made. 

Incorrect balance : There are several issues that make the balance due incorrect. The first is related to the above status and Bank of America not making necessary and proper adjustments to the account once I sent for a second time the insurance information. 2 ) Bank of America has yet to justify fees it charged a couple years ago so that means they owe me I believe it was around {$120.00} plus interest now which should be an adjustment to the loan balance. 3 ) Bank of America for quite some time was incorrectly and perhaps even illegally mis-applying my payments. I was paying twice monthly but they were holding and posting the 'mid ' payment at the end of the month. That payment is intended to pay down the loan more quickly so they denied that opportunity and by holding the money claimed more interest and held my loan balance higher. All of that needs to be fully adjusted. 

Just to be clear, these are two totally new issues, Bank of America can not claim they have already addressed these issues and also can not claim they are no longer the servicer as the basis of the complaint is that they passed this mis-information onto the new servicer. The issues are the loan balance and the loan status.

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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My name is  XXXX   XXXX . I am trying to refinance my home and I found out about some credit issues I would like to dispute. I have tried on several occasions on the dates of  XXXX ,  XXXX  &  XXXX  of   XXXX   to access the " free '' dispute option on the  XXXX  and Equifax websites. Both by following a link from the CFPB website and directly accessing their websites. In each case I enter all of my information, correctly, and am told the " information does not match their records '' or am asked questions that have absolutely nothing to do with anything in my credit history and am told the same thing. I was able to access each agency one time, but was not able to initiate all disputes because of some technical issue. Oddly enough, I was able to access  XXXX  and initiate the process.     This is completely unfair and I have found through web searches many people have had the same issue. We should be able to initiate a dispute for free or be given an explanation as to why we can not. This seems to be some sort of credit hostile take over as we have no control whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On X/XX/2017 I mailed a correspondence to FIRST XXXX XXXX XXXX XXXX XXXX ) due to the fact XXXX was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by XXXX on X/XX/2017 per XXXX XXXX number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of XXXX per the return receipt received by me ( XXXX XXXX XXXX. The reason for this correspondence was to have XXXX cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to XXXX for a response ; it is well past 30 days with no response from XXXX. I have attached a copy of this correspondence in this complaint to ensure that it is on record that XXXX did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was most recently reported on XXXX XXXX, 2017 well after receiving my correspondence, so XXXX apparently has decided to ignore my correspondence but continue to report false information on my credit file. If XXXX continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.

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 10-11-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received at letter from XXXX XXXX XXXX XX/XX/2017 informing me that they represent Resurgent Capital Service for a debt 0f $ XXXX.I never have acct, loan or credit car from Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: disputed previsiouly, removed. reinserted after a couple of months

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: i have disputed an entry on a judgement listed on my credit report since    XXXX   XXXX  ,2017  and they have failed to respond back to in a timely manner, This issue is with a judgement ref #  XXXX . and I still hv not heard anthing back from them yet

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 09-02-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I was working with " relationship manager '' to see what options, besides forclosure, we qualify for. We Qualified for a Short Sale or Cash for keys. After My wife and I received promotions and pay raises, my " manager '' recommended we resubmit for Modification. He told me if we did not qualify for Modification, we would still get the same XXXX offers ( Short sale etc ). I have since been working with an Authorized 3rd Party and have been reassigned to a new " manager ''. My Authorized Party has a direct contact with Ocwen ... I Have been sending in ALL items they have requested, and was told by 3rd Party my case is under review ... meanwhile, they have set a sale date for XX/XX/XXXX ( XXXX Weeks ). In addition, now my " manager '' will not respond back to my Authorized 3rd Party. According to her, They have everything they need ... she and I are very frustrated ... She ( XXXX party ) said they are not following procedure by not contacting her back and/or including her in this process. She recommended i file a complaint ... i have also had other situations with them. I have sent in multiple items such as pay stubs for myself and my wife, along with P & L statements for my self employment ... I had written letters of clarification for each of those items, only to find out XXXX weeks later, when i have a scheduled follow up call, that they need clarification on the items ... I would resubmit clarification, only to find out XXXX weeks later, they still need clarification ... .I have felt like they are just trying to make me give up and lose my home ... If this happened to less tenacious people they would have given up ... They have wasted time multiple times, when I do n't have time ... now I only have XXXX weeks left and they are playing this " not contacting my 3rd party '' game that could cost me my family 's home ...

Company response to consumer: Closed
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with Highland Capital (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a phone call from a man claiming to be in the same county as I. He said he had legal paperwork to deliver, and that I was being sued by a company called Northwind Associates for an unpaid debt from 4 years ago. I asked what the debt was and he told me I had to call the company. He gave me a case number and I called. The man who I spoke with asked me to confirm my identity by giving my date of birth. He had my correct address, phone number, and email address. He proceeded to tell me that the debt needed to be paid otherwise I 'd be required to go to court. He offered me a settlement of {$670.00}. I paid it. I had remembered taking out a payday loan, but now that I 've done my research ( too late but I was TERRIFIED of having a man stalk me to hand me court paperwork and be sent to court or jail! ) I 've found that Northwind Associates is a scam company and they 're not legitimate at all. 

I just gave birth XXXX months early to a baby boy XXXX until XXXX, if not later. These people contacted me XXXX. I lost my job due to going into XXXX. I can no longer work because I 'm on maternity leave and once my leave is up, the XXXX is over ( I worked at a XXXX ). The income of relied on to save up and be able to buy my baby his necessities for life has disappeared due to giving birth XXXX. And then these jerks come along and scam me?! Now I 'm out {$670.00} and with our XXXX income completely gone ( my husband is military so we have that ) and a baby in the hospital over XXXX, we 've been cheated and done wrong. I am so heartbroken and sick over this.

Company response to consumer: Untimely response
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with PNC Bank N.A. (MI).
Issue: Problem with customer service

Complaint: Me and my wife settled our dispute for my second mortgage with the PNC bank in XXXX XXXX 2017 because I paid the amount that I was asked to pay and I received the attached letter from the bank but the bank kept sending information to the three credit berus instead of terminating their report. We are trying recently to refinance our first mortgage to reduce our monthly payment but we could not because the requested companies are seing this problem on our credit report and they are considering the settelment with PNC as a disclosure on the house. I called PNC Bank and they refuse to help me and they told me to contactThe federal trade commission and they recorded my conversation with them. I need them to remove this problem from our credit report and stop sending any information to our credit report. I talked to FTC ( XXXX XXXX on XXXX ) today and I was advised to file this complaint against PNC, Thank you for your help. 

XXXX XXXX and XXXX XXXX, XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with HireRight Solutions, Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I did a background search on myself and realized that information that should have been removed has not. 
I provided the company with copies of my court order expungements. 
Please see the attached documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Bank received and deposited insurance proceeds that was in my name and not endorsed by me and now holding and refusing to release funds that was supposed to repair home from fire. The proceeds are much more than what I owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (I do not know) with Accelerated Financial Solutions, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been getting harassing phone calls and threats in my voicemail from this company, claiming to have a debt against me, for a company that I have never heard of and an account i have never had in my life. They have threatened to sue me, and come to my job and " deal with me '' and even come to my house to " handle the situation ''. These are verbal threats and voicemail 's that have been left by collectors harassing myself, my wife, and my family members.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation