milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My home is secured by a toxic adjustable rate mortgage loan with a rate and payment that is continually increasing. I am currently at 7.15 % and my payment recently increased as well. This is a problem because I have several family members who are struggling that I am helping out who are staying with me and due to the increase in payment and this temporary hardship I defaulted on my mortgage payment a few months ago. At that time my loan was with America 's Servicing Company. After missing a couple of payments I began trying to work things out with them and they had me apply for a loan modification. It took several months of review but they came back and told me that I did not qualify because I made " too much money. '' I asked if they would consider a repayment plan or possibly putting the late payments back into the balance of the loan and they told me that was not an option, that I MUST pay back all of the late payments in one single payment to them. ASC has been adding all kinds of attorney fees and junk fees and now they say I owe them nearly {$10000.00} and that I must pay this entire amount back to them all in one payment or they are going to foreclose. 

I just received paperwork that my loan has been transferred to Wells Fargo ( which I believe is the parent company of ASC ) and that they want to put me into foreclosure. I am concerned because Wells Fargo has a history of unethical behavior towards their customers and that they put profit above everything else. I have been employed as a nurse for 35 years and make a good living and I can afford a reasonable mortgage payment. However, I am in a bad loan with a high rate and high payment and have suffered a true hardship and need some help. Wells Fargo has indicated that there is no help available ; that the only option is to make a onetime payment of approximately {$10000.00} to them otherwise I am going into foreclosure. This is just not possible, and I ca n't believe that there are not any programs available to help me get through this. All I need is a reasonable solution that allows me to address this issue either through modification, forbearance or a repayment plan. I do n't believe it is fair that Wells Fargo is treating me like this and allowing no possible options. As a regulated institution and recipient of XXXX dollars in bailout money, I believe they should work with me to resolve this matter in a way that is beneficial to both parties.

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 12/27/2017 about Checking or savings account (Checking account) with U.S. BANCORP (MO).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: OnXX/XX/XXXX, at the drive through window of US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, I processed a stop-payment transaction on a check for {$9400.00} I had made to a contractor who had done some work at my house. I determined that he had overcharged me, and when I telephoned him he became threatening. The stop-payment was suggested by my attorney. The check had not yet been submitted to my bank, so there should have been no problem. When the young woman at the bank 's drive-through window asked for the check information, I gave her the carbon copy of the check I needed to stop payment on. The check number was XXXX, but the young lady typed in XXXX and told me the transaction was successful. ( The number XXXX on the keyboard is accessed with the little finger of the left hand ; the number XXXX  with the little finger on the right hand. ) It was only a week later that I learned that she had typed in the wrong check number, when I received a letter from the bank telling me that the transaction was successfully executed. The check that the bank employee put the stop-payment on was not only for a much less amount, but it was more than 6 months old and had been paid long before to a different person. I first complained to the bank manager at the local branch on XXXX XXXX. When the bank would not provide any compensation for their mistake, I wrote a letter of complaint to the Missouri Division of Finance, which they forwarded to the federal Office of Comptroller of the Currency because US Bank is a national bank, which did n't even take my complaint seriously. Now the contractor will not even deliver materials already paid for, much less finish the work already paid for. Please 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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My Experian credit report includes multiple names, NONE of which is my legal name.     Can not get them to change it. I am worried that their inaction is masking some sort of fraud.

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 11/26/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Our issue began this year, because of a mortgage default. We attempt on several occasion to rectify with Bank of America. Currently we have experience a lack of communication by our appointed point of contact, and customer retention manager ( CRM ). We have receive notice that we qualify for a short sale, however after only two months of marketing we were informed that our marketing period had ended. We have research and informed the bank that in our current market the time frame to sale is at a minimum of 120 days. We have set varies appointment with the CRM, in which no effort to make contact was made by BOA, neither to us or to the Realtor on file. When we attempt to call the bank the representative who answer tells us that our CRM is not currently available, and attempts to help us with a limited capacity/ while informing us that we would have to make another appointment with the assign CRM. Our Realtor, using the XXXX system has submit, a offer ( cash ) that has been waiting in the equator system, for almost a week. Upon calling Bank of America, they informed us that the offer has not been reviewed, and that current the reviewer is not available. Furthermore that the Customer Retention Managers do not have access to the very system they are should using to help us with the short sale. As a Veteran of XXXX, I expected a little more cooperation. I have repeatedly ask that the property be reevaluated, as the values in our have are on a continuous decline. I am not sure where to turn. I am even willing to complete a deed in lieu, however upon asking the bank, apparently that is not an option. How is that not an option if the foreclosure sale date was already set.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX I submitted a letter to XXXX XXXX to cancel my alarm service. Shortly thereafter my account with XXXX was turned over to Credit management , LP for collection. 
XX/XX/XXXX I submitted a letter to Credit Management , LP disputing the collections due to the fact that XXXX did not disclose that the contract was automatically extended when I moved the service from one residence to another residence. 
I received a statement XXXX dated XX/XX/XXXX which reflected my account was at a zero balance. 
I recently discovered that Credit Management , LP collections had not been removed from my credit report. 
XX/XX/XXXX I sent another letter with supporting documentation requesting that the collection status be removed from my credit report. 
XX/XX/XXXX I received a call from XXXX a representative XXXX who confirmed that I did not owe {$310.00} that 's in collections. 
XX/XX/XXXX I spoke with XXXX XXXX at Credit Management and explained that I had confirmation in writing that the collections was not owed. XXXX insisted that the amount was still owing. I requested that the collection be removed from my credit report, and she stated that they could not remove it and that I would have to go back to XXXX and request they contact Credit Management to remove the collections. 
So I call XXXX and spoke with XXXX in the Executive Reponse Team explain to him that I had spoken with XXXX at XXXX and then with XXXX at Credit management. XXXX confirms that I do not owe the {$310.00} that is in collections. He also states that XXXX has not done business with Credit Management in years. XXXX requested that I send him a copy of my credit report so he can confirm the collections is on behalf of XXXX. 
I pulled a credit report from XXXX XXXX and faxed to him with a letter dated XX/XX/XXXX and a copy of the credit report that reflected the collections. 
The credit report page I sent was page 11 out of 13 pages. Credit Management is clearly listed on the report and remarks noted on the credit report states that dispute is resolved, customer disagrees. 

When I last spoke with XXXX in XXXX, he had contacted me via phone and requested that I send him the complete credit report. I refused to do so, because I felt the information that I had sent him previously was sufficient enough. Besides, my credit report I feel is sensitive information. 
At this time, I have been getting the run around from both XXXX and Credit Management, in regards to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: XXXX XXXX XXXX is currently reporting an account that I am not responsible for to Transunion that needs to 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 01/29/2018 about Mortgage (Conventional home mortgage) with ROYAL UNITED MORTGAGE LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was checking on current mortgage interest rates online and afterwards I received about 20 calls from this company AFTER I told them I had picked someone else and NOT to call me anymore. They used these phone number each time. 
XXXX XXXX XXXX XXXX XXXX XXXX I immediately went to donotcall.gov and registered my cellphone and verified through email link. Get these guys. Very disrespectful calling me 20 times after I told them NOT to call me anymore.Thank you for your 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 07/15/2017 about Debt collection (Other debt) with Genesis Credit Management, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: This agency kept calling and harassing my father to pay this debt that I was n't aware of. So I called to get more information but the agent I spoke with had such a bad attitude and kept yelling at me. I was told that I owed a debt from an apartment that I had moved out of years ago. I asked for validation of the debt so I could have some proof in writing but I never received anything. they kept harassing me several times a day threatening to put negative marks on my report and sue me if I did not give them payment in full over the phone. They marked my report with a collection for the amount of {$3500.00} and a public record for {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.

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 03/28/2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Several years ago I was hit with a collection for a similar amount on a XXXX credit card that has been closed since XXXX, and was advised by my bank to ignore their contact attempts because it was a scam. That went away and my credit score went back up. 

Starting a few weeks ago I 've been receiving tons of phone calls with no messages left from random numbers. 

Here is all the information I have on them. They do not answer the phone so I can not find out anything more. 

DEVILLE ASSET MANAGEMENT # XXXX , TX XXXX ( XXXX ) XXXX Placed for collection : XXXX/XXXX/XXXX Responsibility : XXXX Account Type : XXXX Account Loan Type : XXXX Balance : {$3000.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$3000.00} Original Creditor : XXXX XXXX {$3000.00} XXXX ; Pay Status : XXXX ; Estimated month and year that this item will be removed : 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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BTH Management (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company PLAZA Opened XXXX XXXX, 2017 ( 5 mos ) SERVICES Last reported : XXXX XXXX, 2017 I have a bank account and i do not got to check cashing this account was obtain fraudulently

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN).
Issue: Problems when you are unable to pay

Complaint: Car Hop and UAC are reporting incorrect information on my credit reports. I have made a lot of calls to them and nothing gets fix. I get treated very poorly by there reps and hung up on. They have that I missed payments when I didnt and reported that this account was charged off when it was not, it was still a open and active account. I paid it off now and it says I paid a closed charged off account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2017 about Debt collection (Federal student loan debt) with ConServe (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was in collections. I paid it off in full for the amount of {$120.00} on XX/XX/2014. It still appears on my XXXX credit report as " in collections '' as if I never paid it off. It should state " balance paid in full '' or be removed from my credit completely.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automotive Credit Corporation (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: charged off in bankruptcy ; no longer obligated to this debt

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 05/16/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: My online account shows a positive balance of {$170.00} and yet on XXXX they hit me with XXXX overdraft charges of {$170.00}. which put the account negative and then they hit me with another {$100.00} overdraft fees on XXXX and XXXX. XXXX of the charges were for less than {$10.00} and yet they told me any overdraft under {$10.00} would not have such a overdraft fee. They also re sequenced the charges so as to maximize fee. The same game that they were had class action suits for. The account is {$160.00} negative only because of there {$280.00} overdraft charges over XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a parking violation for the city of New york on my credit report and I have never been outside the state of XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a XXXX grant, which FedLoan Servicing converted to a loan because they claimed that I did not complete the required yearly statement saying that I was currently XXXX ( which I have been and still am ). I called and sent a letter, stating that I received no communication from them about this yearly statement and had no idea that it was due. They claim that they put messages in my portal. This is unacceptable, because any email I have ever received which said something about a new message being in my portal resulted in me clicking the link and being denied access because of some error on their website. I have received no notifications from them. I have requested that they correct their error and convert the loan back to the teach grant, as it should be. They have refused to acknowledge that I was never notified. This is unacceptable, and any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: Capital One send me a check book to use on my credit card ( only ). They did not tell that all purchases after that will not have the XXXX day grace period for interest, or that I had to pay the check book check first before I could pay the high interest charges! I call them and they said they told people who call! Well I did not call I just took the checks in the mail has face value! They got me! Help me please!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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 had told my Internet provider XXXX XXXX that I wanted my account closed months before my account was actually closed. I had gotten another provider, but they kept charging me even though I was n't using their services. I now have a collection from XXXX XXXX on my credit account that I want removed by 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 10-04-2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried numerous times over the past several months disputing inquiries with credit bureau for inquiries I did not apply for a job or was granted a line of credit with companies who pulled a credit report inquiry. I have also mailed each company directly several times over the past several months and am not getting responses Below is a list of unknown and unauthorized inquiries. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX A XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX EQUIFAX MORTGAGE SER XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation