milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my Equifax report there are 10 late payments from a XXXX XXXXXXXX XXXX account that is not mine..I have already disputed this account with XXXX XXXX by informing them that I did not open a credit card with them and am a victim of identity thief. They are still reporting late payments even with this knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am seeing IC System on my credit report for a supposed collection for XXXX XXXX XXXX for a bill that was paid 4 years ago and at an address in which I have not lived in 7 years. I do not know who this company is, but have seen that XXXX complaints have been filed abouts scams that are very similar to my situation ( I.e. almost decade-old bills that had been paid years upon years ago and are being resurfaced via this company ). 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 06/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: 1st Call : on XXXX/XXXX/2016 at XXXX - I received a call from Wells Fargo Mortgage Company, at which time I identified myself and advised that I will be making a payment on Friday XXXX/XXXX/2016, for my past due of {$760.00}. 
2nd Call : on XXXX/XXXX/2016 at XXXX - I received a 2nd call from Wells Fargo Mortgage Company, at which time I identified myself again " This is ... .... '', I advised that I had already spoke with someone, and that the Representative had a right party contact. I told the representative not to call back, she then stated " we 're going to call you back again '' I said what did you stay and she repeated her threat " we 're going to call you back again '' I told her she had better not. I hung up ... 
3rd Call ... 
On XXXX/XXXX/2016 at XXXX - I received a 3rd call from Wells Fargo Home Mortgage I identified myself again " This is ... .. '', I asked to Representative to let me speak with a Supervisor. The Representative put " XXXX XXXX " on the line, she identified herself as a Supervisor. I told her that this is the 3rd call and advised her of what the last representative threaten the Well Fargo would be calling me back a 3rd time. The representative did not remove me from the dialing system to discontinue calls for that day. I told the Supervisor, this is Harassment, they should have not called me back after they had spoken with me on the 1st call. I advise the Supervisor that I would be filing a complaint for Harassment.

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 09-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I was fined {$70.00} in overdraft fees for XXXX payments. The payments were reordered in such a way that I was charged XXXX fees, even though there was enough money in the account to clear XXXX payment. second, I had {$4500.00} in deposits come in the next day ; those payments were supposed to come in on the XXXX but instead were posted the XXXX, which is what made my checks totaling {$1500.00} bounce on the XXXX. I contacted Bank of America multiple times and they refused to revisit the fees, even telling me that they purposely reorder payments from high to low despite stating publicly that they stopped doing that in 2013. I was directed to the depositor agreement, which merely states that they have discretion to order however they want, it does not say they order from high to low. They further started that i am not entitled to a copy of the recording of the conversation.

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 02/17/2016 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: the company Mid Atlantic collection service keeps calling me from random numbers XXXX, they claim I took out a online payday loan ( I have never used this kind of service ) they claim to have my social security number and reference a address I had over 10 years ago. They are threatening me with bank fraud, wire fraud, and owing a payday loan company. also say they are contacting my employer and do not have any information validating their claim. As I read other complaints it looks like fraud to me

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX, was allowed to access my credit report on behalf of XXXX XXXX without my permission and apply for a payday loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I graduated from XXXX school in XXXX with student loan debt of around XXXX. Shortly after, I received separate bills from many lenders. To make it easier, I consolidated them all with XXXX XXXX in XXXX, XXXX and enrolled into an ICR ( Income Contingent ) because I was a XXXX a making only XXXX a year. Several times they suggested that I go on financial hardship and defer my loans. XXXX XXXX did not tell me that the interest would accrue and be capitalized. Also, XXXX XXXX did not inform me that once you consolidate you ca n't ever refinance your loans - my interest rate is at 8.25 %. Finally in XXXX, I transferred my loans to Direct Student Loans hoping I could refinance at a lower rate and still was on the ICR payment plan. Direct Loans in turn sold it back to XXXX XXXX in XXXX and never got to refinance. During these years, I have been working in XXXX XXXX to make more money to pay off my loans. However, there is a high turnover rate and I am unemployed almost every 2 years. XXXX XXXX would put me on unemployment deferment over and over and again - the interest would accrue and capitalize without any explanation/counseling on how this works. From XXXX XXXX, my loans were under ICR plans both with XXXX XXXX and Direct Student Loans for a total of 16 years. Navient told me XXXX that during the years my loans were with Direct Loans they would not count those years for ICR. Also, those years while they were with XXXX XXXX - those ICR years do n't count either, because they said " Navient is a different entitity and XXXX XXXX no longer exists ''. Under ICR after 25 years my loans should be forgiven - where did my 16 years of payments on ICR go? XXXX, I was unemployed again. I called Navient and they suggested I changed to an IBR plan because he found no records on my ICR plan because, " XXXX XXXX no longer existed and they do n't have those records ''. This was a bait and switch because in my next statement my loans went up XXXX in one month. I called and they said it was because I switched plans ( which they suggested ) so the interest accrued and capitalized. My loans have ballooned from XXXX to almost XXXX and the repayment plan years for forgiveness have reset under IBR. At age XXXX and recently XXXX, I will never be able to pay them back and am again unemployed with no retirement or savings. I was the only one in my family to go to college, had no idea what I was doing with regards to student loans, and was never counseled or received loan education. Their predatory lending has ruined my life and am seeking full resolution for their deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a hamp loan approximately 4 years ago have gone thru over XXXX different loan officers and have been told that i qualified for loan only to be changed to another person. What i have gone thru is so unbeliveable that i was directed to go public and they gave me your email plus another to see if you can investigate because i have no were else to turn, I have done everything they asked over and over just to end up losing my house i have been in for XXXX years due to there mistakes and there is nobody to hold them accountable. i have put out large sums of money and have all the paperwork to back up everything that i have had to endure thru this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, my wife and I bought a house - the mortgage was set up with XXXX. Shortly after closing, Access National sold the mortgage to CMC Funding ( " CMC '' ), a wholly-owned subsidiary of Capital Markets Cooperative, LLC. We were directed to send the monthly loan payments to XXXX. 

We have had problems with XXXX servicing our mortgage. Specifically, we had XXXX problems when we attempted to make additional payments to reduce the remaining principal on the loan. On XXXX XXXX, XXXX I sent XXXX checks totaling {$40000.00} to pay down the principal. On XXXX XXXX, I noticed ( on the XXXX web site ) that checks had not been applied to our account nor had the checks cleared our bank accounts. I called XXXX 's customer support to inquire and was told I had sent the checks to the wrong address - even though it was the address listed on their web site and the same address that I had previously sent checks. Over the past week ( XXXX XXXX thru XXXX XXXX ), I have worked with XXXX to resolve the issue. XXXX 's president, XXXX XXXX was very responsive and I have no complaint regarding XXXX. 

I also attempted to contact CMC because to my understanding, my legal is agreement is with CMC, not XXXX. They were completely unresponsive. Their web site directed me to call a phone number for a person that covered the Midwest. I left a message on XXXX XXXX requesting a call back - no call back - and called again on XXXX XXXX - no answer. I attempted to contact CMC via an electronic form on their web site - the form does not work. I contacted their XXXX, XXXX XXXX, via LinkedIn and received no response. I called a phone number on their web site - not only was there no answer, there was no voicemail. I talked with my contact at XXXX and apparently they were unable to get a response from CMC. 

While CMC 's internet presence is what I would expect for a mortgage company, their lack of response makes me question whether they are a legitimate company. How can a company be in the mortgage business and yet be unreachable by phone or electronically? 

I have a lot of questions for CMC - first of all, why was my loan assigned to a loan servicing company in XX/XX/XXXX known to have terrible customer service under their previous leadership - and later found to be guilty of fraudulent business practices? I want to know what is going on with the " wrong address '' problem. Did CMC intentionally make it difficult for customers to pay down the principal with additional payments? I also want to know if CMC was involved in the Equity Accelerator scheme. 

Last, I want CMC to hear firsthand from me regarding the impact of these problems - the trouble that it has caused me. My legal agreement is with CMC and I hold them accountable for all of these problems and consequences.

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 02/22/2018 about Debt collection (Other debt) with Bonded Business Services, Ltd. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this account and received nothing and this company still list this unknown debt which I have never did business with. Pease help

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Carrington mortgage company is in direct violation of the u s treasury dept making home affordable program guidelines. 
Specifically chapter 2 section 6.3.1 as per mha guidelines version 4.5 dated XXXX/XXXX/2015. 
Carrington mortgage is in direct violation of mha guidelines chapter 2 sections 6.3.2.3 and 6.3.2.4. 
Carrington mortgage approved me for an in house modification and neglected to exhaust the XXXX approach financially harming me at least {$72000.00}. 
Carrington mortgage has neglected to provide me with the npv test results conducted on or about XXXX/XXXX/2015. 
By approving me for an in-house modification, and not following the XXXX guidelines, is blatantly unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a Capital One card with my ex husband that I thought was closed in 2015. All of the monthly bills were not being sent to me, instead they were being sent to an address that my husband had set up. He purposely maxed out the credit cards and made no payments on them. This was by no fault of mine and had no idea that the account existed. I have made repeated attempts to go thru the fraud department with Capital One to have my name removed from the account as well as attempted to have the bureaus remove the item from my report as well. This is my last hope as it is affecting my ability to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage was sold by Bank Of America to XXXX. I never received ANY statement from XXXX, nor any correspondence

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have never had an account with this company nor have I entered into an agreement to pay them. This item is reporting in violation of the FCRA as well as the fair debt collection practices act section 807-8

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Mortgage (Conventional fixed mortgage) with Pacific Union Financial, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a escrow surplus check from my previous lender ( loan was sold to current lender ) The check I received was for roughly {$4000.00}. Now my new lender has sent me the results of my recent escrow account analysis stating I have a shortage relatively close to what the check was I got in the mail previously. I received documents in mail of my expected payment. This will cause me financial hardship due to the unexpected {$300.00} added to monthly payment to make up for shortage. The check received was used for home repairs/improvements and other expenditures. This is my first home, I am learning as I go of the home purchasing process, with that said I feel like something was not done correctly in my situation and that has caused my financial hardship. How is it possible that my escrow account was basically emptied with no regard to what that would lead to in the future of my account. I was not cautioned or assisted in what this large amount of money withdrawn from my escrow account could be needed in the future, which is now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FirstPoint Collection Resources (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid this debtas of XX/XX/2016 {$350.00} why is this still in collection. I have the receipt that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Company was sent a payment on XX/XX/2016 from XXXX, XXXX XXXX, however continuously called and harass for a payment that was already received. When I spoke with the representative on XX/XX/2016, I was told they did n't receive the payment for XX/XX/XXXX from XXXX, XXXX XXXX XXXX and that was XXXX 's payment they received for XX/XX/XXXX of {$1300.00}. Carrington XXXX has placed negative remarks on my and my wife 's credit report for XX/XX/2016, and XX/XX/2016 for XXXX problems that were not our fault as too why the payment was late. XX/XX/XXXX 's payment was late due the banking error that they admitted to in a letter that was sent us. I faxed the letter to Carrington and was told no negative remark or late payments will be reported to the credit bureau after speaking with the Manager. XX/XX/2016 payment was late due thier website, we attempted to make a payment several timesmall online but their website would not accept one. We called to get assistance from customer service but was unsuccessful due to the lack of support, inaccurate information being given, and u professionalism not given. When we finally decided to just pay from the checking account their system had a clitch in it and we were held at fault for thier mistakes. Carrington 's website does not function properly and encourages customers to use XXXX however when you attempt to use XXXX, issues such as now occur. The customer service is very unprofessional and rude. When you ask to speak with a manager they place you hold for long durations or disconnect the converstaion. Carrington Mortgage needs to be investigated for fraud and damaging people credit for no reason to lock them in to the loan to prevent them from refinancing with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (WV).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Sallie Mae harassment 1- All of my student loans ( federal and private loans ) have been consolidated a year ago and now belong to XXXX XXXX. Consolidated all in one, instead of dealing with multiple lenders and multiple federal loan servicers. 
2- In addition, i am unable to make any payments at this time due to unemployment. I have been in forbearance with XXXX XXXX for the past few months, and XXXX XXXX has been very understanding and helpful in this time of extreme financial hardship. 
3- Any loan which i had with Sallie Mae was consolidated, therefore i do n't understand why sallie mae is harassing me. To give a fee examples, On Saturday XXXX/XXXX/2017 I received a call from Sallie Mae at XXXX XXXX. I have phone records to prove this phone call. 
In addition, i received a call from my former employer saying that " Sallie Mae is looking for you and they repeatedly call here ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This collection was removed from my report almost a year ago. And it has been reinserted without proper notification. I would like this deleted from my report. The date is wrong and it is not my debt owed. It was reinserted on my credit report please remove this from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: A few days after we made a first and full payment of a parent plus loan we were notified that we qualified for Total XXXX forgiveness. We immediately called up nelnet and they expclitly told us that even though we just paid it off we would be refunded if we qualified. After a few months we contacted them to check status and found out that we did qualify. However, because the account had been closed they were n't able to systematically do a refund and suggest we contact my XXXX XXXX. My XXXX XXXX tried to help but eventually gave up. Nelnet has yet to follow up with us but basically told us they did n't know what to do. The loan amount was around XXXX and we could really use that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is attempting to collect a debt for a college I have never attended. I have made several attempts to have this company provide a signed copy of an agreement with my signature on it. The only thing they have provided is a ledger that has my name on it and a balance due. I have never attended this college or done any type of business with this college. This debt company has caused me significant monetary damage as it is affecting my credit. This is bullying by a debt collector attempting to collect a debt from the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.

Company response to consumer: Untimely response