milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: 1. I was laid off from my job on XXXX/XXXX/XXXX. 
2. In good faith I contacted my mortgage company ( Wells Fargo ) before all other creditors to request help and make payment arrangements. 
3. I was advised to begin 6-month payment  assistance/forbearance program followed by loan modification program 4. I got a new job on XXXX/XXXX/XXXX and continued making payments on time. Below is our payment history between XXXX XXXX and XXXX XXXX : Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX amount paid {$1600.00} ( prior auto payment amount ) Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} ( Started trial payments early ) Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} After successfully completing payment assistance program, we requested to convert to loan modification program. However, we were also in the process of selling our home. We advised Wells Fargo that the home would be sold within 30 days and the loan paid off. Our understanding, based on conversation with Home Preservation Specialists, was that any unpaid mortgage payments would be added to the back end of the modified loan. Since we were making payments every month and was approved for the loan modification, we did not expect the default status reported to credit bureaus by Wells Fargo and the negative impact on our attempt to obtain new home loan. We believe this is unfair. See attachments for background and further details.

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 12/31/2015 about Debt collection (Payday loan) with Cooper Hoffman Klein Associates (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I took out a loan with XXXX XXXX in XXXX California. I only owe {$310.00}. I have been contact by XXXX XXXX XXXX, Cooper Hoffman Klein and Associates, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX about the same {$310.00}. I was coerced by XXXX XXXX which claimed it was located in Ohio to set up a payment play of 6 months paying {$110.00} from my Social Security monthly check. XXXX XXXX XXXX threaten to file paper work with XXXX XXXX XXXX in California to garnish my wages. I set up the payment plan and the first payment of {$110.00} and it was debited from my Social Security check account card XXXX XXXX, XXXX. I requested that XXXX XXXX XXXX send me a bill so I can see the exact charges and they would not produce a bill saying they do everything via email or electronically. By law XXXX XXXX XXXX or Cooper Hoffman and Klein Associates has five business days to send me an itemized bill and a requested to send me the copy of the payment plan I set up with them. I contacted XXXX XXXX and found out {$310.00} was all I owed and that they XXXX sold the debt to XXXX XXXX on XXXX XXXX, XXXX. Then XXXX XXXX sold the {$310.00} on XXXX XXXX, XXXX to XXXX XXXX XXXX. I was harassed over the phone by the legal team of XXXX XXXX XXXX Cooper Hoffman and Klein and Associates saying they could not send me an itemized bill stating I had to set up a payment plan plus pay the entire amount prior to getting an itemized bill and my payment plan information. I never denied that I owed XXXX XXXX {$310.00}. I would like to pay my debt of {$310.00} to XXXX XXXX directly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Other debt) with Focus Holding Company (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: FOCUS RECEIVABLES MANAGEMENT are wrongly trying to collect a debt and have placed a debt on my credit file. This company is NOT licensed and bonded in the state of Texas. After contacting the Secretary of state Texas Focus Receivable Management do NOT have a bond in the state of Texas. This is againist the law of the state of Texas. Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a XXXX bond and filed a copy of the bond with the Office of the Secretary of State. 
They are attempting to collect a debt in the amount of {$910.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Consumer Name : XXXX NCA Reference No : XXXX NCA Account Status : Forward to Summit Receivables Original Account No : XXXX Original Creditor : XXXX I took out an unsecured online installment loan from XXXX XX/XX/XXXX I recall which i have subsequently been unable to pay and the loan is in default ; XXXX transferred/sold the loan to NCA - I have been negotiating in good faith with NCA for several months and have offered payment in full versus taking a discounted settlement but the issue is length of time - I need 48 months at a minimum. NCA had accepted the 48 month arrangement, then reneged on it - purportedly because I failed to make the 1st payment with 5-8 days from the accepted online agreement. But, when I went online to make that 1st payment, the account was listed as " still negotiating ''. When I attempted to submit the aforementioned exact same online agreement, NCA rejected it and the loan has been in limbo ever since - about 3-4 months. Today, XX/XX/XXXX, I received a call from a lady saying she was with XXXX XXXX. She initially was trying to reach XXXX XXXX XXXX - a company I had previously worked for. When I told her I used to work there and can I help her, she then wanted to know if I knew how to reach XXXX XXXX. When I replied it is I who you are speaking to, she then wanted to verify my ID by asking for DOB information. I resisted but decided to provide since I was curious as to what she was doing. She then said she was with XXXX XXXX and was calling about XXXX and wanted to know if I was able to pay it. I responded that before we discuss anything, I first wanted her identity, her company name and address and contact information and also a debt verification letter. She responded that the company has provided that before and when I pressed by saying that I just wanted to make sure I was n't falling for a scam trap, she became sarcastic and rude saying " like when you took out all these loans ''. I replied that I will be filing a complaint with the CFPB at which point she simply hung up on me. After that call, I emailed NCA and requested status of my account. NCA emailed a reply back indicating that XXXX XXXX had been assigned to collect on this account. Other than that email which I had to initiate, I received NO prior warning or information regarding that. Also, a person also reached out to one of my references on the XXXX loan looking for my contact information and indicated they were a debt collector - a clear violation of the law. My reference contacted me and informed me of this attempt. What is especially troubling is that NCA has had numerous contacts with me - phone, fax and email and I have given them permission to contact me using any of those mediums. I would have assumed that if NCA had transferred collection of the account, the contact information would have been provided to their new representative.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had fraud alert on my credit file with Experian back in XX/XX/2016 regarding excessive inquires on my credit file, I am showing that there are over XXXX inquiries that I have not authorized, I am sure why or who are doing these inquiries but If my file was documented with fraud alert how they can still allow hard inquiries to be added to my credit file with out verifying personal information. This is unacceptable.

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 11/20/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I sent Equifax a copy of my police report reverifying the account was fraudulent and they removed it and the creditor sent me a letter in the mail confirming the deletion of the fraudulent account. But I recently checked my credit file and the account has been reinserted onto my credit file and is lowering my credit score affecting my chances of getting approved for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2017 about Vehicle loan or lease (Loan) with 3rd Generation, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: California auto Finance is reporting inaccurate information on ny report putting that i owe more money than i do they recieved the car back and sold it and never adjusted the price

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo has charged me a {$15.00} fee in connection with an individual ( relative ) wire transferring money into my checking account. Wells Fargo refuses to refund the full wire transfer fee of {$15.00}. My position is that the fee is unfair, inequitable, and that Wells Fargo did not fully and properly advise me of this fee when I opened the account.

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 08/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: I have had a checking account with Bank of America since XX/XX/XXXX. XX/XX/XXXX, they changed the terms of service and began charging a $ XXXX monthly fee, which was contrary to the promises a customer service representative had made about terms of service in the ( very recent ) past as the terms had changed only a few years before and I had discussed this with a banker in the branch. I never received notification of the XX/XX/XXXX change, and they never attempted to receive an acknowledgement or confirmation from me. After complaining, I did, however, receive a refund for three months of fees, but they still have five months of fees ( {$60.00} ) that have not been refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Credit card) with The Bureaus, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a collection account on my credit report maintain under my Social Security number from a collection agency the Bureaus Inc stating I owe {$10000.00}. On XX/XX/XXXX I mailed them a certified letter formally requesting validation of the debt pursue to the Fair Debt Collection Practies Act. I requested validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I also stated that it is a violation of the Fair Debt Collection Practies Act if they can not verify the debt they must notify all XXXX credit bureau 's to remove/delete the entry. The United States Post Office had made two attempts to deliver a certified letter to Bureaus Inc address listed on my credit reports from XXXX XXXX XXXX XXXX, IL XXXX. The United States post office returned a letter to me XX/XX/XXXX.I notify all XXXX credit bureau 's listed above in this complaint the address provided for ( Bureaus Inc ) by their agenciesand the post office was unable to deliver my certified letter that 's violating my due process of an adverse action as I was seeking to get information of this debt filed under my Social Security number. I asked all XXXX credit bureau 's to validate the information with Bureaus Inc and provide me with copies of any documentation associated with this account bearing my signature and stated to them in the absence of any such documentation bearing my signature I formally request that the information immediately be deleted from their credit file maintain under my security number. I also mentioned in my letter in accordance with section of statute 611 you are required to remove this account from my credit report as it is undeniable proof of and in accuracy of a reporting on my credit history. The three major credit bureaus stated that the information is correct upon looking at my credit reports Bureaus Inc updated my XXXX credit report on XX/XX/XXXX XXXX was updated on XX/XX/XXXX and XXXX what 's updated on XX/XX/XXXX. As verified how could Bureaus Inc validate my Debt and yet at the same time refuse to except my certified letter asking for verification and validation of any evidence bearing my signature of this account. I believe that Bureaus Inc is acting in bad faith, and not have complied with the Federal Trades Commission 15 USC 41, et seq. Subchapter V Debt Collector Practices. I feel that they are liable for willful noncompliance as per FCRA 807 false and misleading representation [ 15 USC 1962e ] for their unwillingness to except my certified letter requesting validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with COLLECTIONS USA, INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I started getting money taken out of my paycheck and I found out from my XXXX that it was my wages getting garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Customer service / Customer relations

Complaint: I rarely use my Bank America XXXX credit card. I used it once in XXXX ( I believe ) to buy gas for roughly {$30.00}. Because I use it infrequently, I did not recall that I had used it for one purchase. 

I did not realize that this small amount was outstanding because I did not receive a statement, nor did I receive any call, e-mail or text from Bank America. 

After approximately 30 days, they sent me an e-mail that asked me to call them in a very casual way, but did not mention that there was any issue. I called them immediately. After being informed that a small balance was outstanding, I paid them instantly. 

I later discovered that Bank America had filed a notice of 30+ days late with the major credit agencies, which reduced my credit rating. I called back and asked them to remove this since I had n't received notification, it was a small amount, and it was paid immediately. They submitted that request on my behalf and told me I 'd receive a written decision within 7-10 business days. 

I did not receive a written decision so I called Bank America. The woman told me that Bank America had found in my favor and that the adverse credit report would be removed. She said that I would receive a letter shortly stating this. 

When I did n't receive the letter ( again ) after a reasonable time, I called Bank America. This time, I was told that they had found against me and were refusing to remove the report. They said that they had sent multiple statements, but I told them that obviously I did n't receive them or I would have immediately paid such a small amount in full. 

Bank American admitted that other than the statement ( s ), they had made no effort to call me, to text me, or to contact me by e-mail. I asked why that was and the supervisor said, " You may not have given us consent to contact you ''. I did n't think that made a lot of sense. 

In my condo complex, we have over XXXX units and it 's not uncommon for mail to be misdirected. However, I can not say why I did not receive the statement. 

I 'd like these negative reports removed. I have acted in good faith and have immediately paid this small bill upon discovering that it was outstanding. I feel that Bank America did not make reasonable efforts to inform me of the outstanding bill and they provided false and misleading information when directly stating that the issue was resolved in my favor. Presumably that call was recorded.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification Hard inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Did not apply for credit. 
XXXX XXXX XXXX and XXXX/XXXX/XXXX not only did I not apply but, but if I had I would n't have applied twice. 

Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: There is a block or something by Capital One 360 that is not allowing me to enter my Capital One login information or access code that I 've generated through them to verify my account through external applications and I did not request this block and want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've filed multiple disputes to have the company XXXX removed from credit report and Equifax just keep replying the item has been verified as yours. The company XXXX has settled a lawsuit with Florida Attorney General XXXX XXXX on XX/XX/2016, and in the settlement any XXXX, XXXX XXXX loans are to be removed from the credit bureaus. The settlement also sttes that XXXX violated Florida 's consumer protection, consumer finance, and usury laws.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (I do not know) with FMS Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: FMS inc just showed up on my credit with no mail no email no calls to me to inform me of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (FHA mortgage) with Residential Mortgage Solutions, Inc. (NJ).
Issue: Trouble during payment process

Complaint: My husband and I refinanced our home in XX/XX/XXXX through a broker, Residential Mortgage Solutions , Inc. ( RMS ) out of XXXX, MD. 

In XX/XX/XXXX our new lender, XXXX XXXX, sent us a letter stating that after performing an escrow analysis they found we have a {$700.00} shortage. This came as a huge surprise since both our property taxes and our homeowners ' insurance have reduced. If anything, we should have had excess. 

After reaching out to XXXX, and getting no satisfactory answers for months, eventually getting no return phone calls I threatened to reach out to the CFPB. Only after that did XXXX XXXX, owner of RMS, contact me again. 

He eventually sent us a check for {$300.00}. This was his offering to " split the difference '' of our {$700.00} shortage. This seemed to be odd business practice and raised a red flag to me. 

Meanwhile, during my research into finding our lost money through the title agency, our county tax collector and our previous lender XXXX XXXX XXXX XXXX XXXX XXXX, I learned we were actually shorted {$2300.00} from RMS. This amount represents our 4th quarter taxes and insurance, which unbeknownst to us at the time, we had already paid two days prior to closing through automatic withdrawal. Meanwhile, XXXX XXXX insisted his company ( RMS ) paid. 

While XXXX XXXXXXXX XXXX did send in a check for {$1800.00} to our county for taxes it was returned to them, since we already paid. ( see attached documents ) We signed a promissory note to RMS for {$2300.00} during the closing. This was to be for them for a " lender advance '' to alleviate a financial burden caused by the {$2300.00} plus our monthly mortgage payment of {$1800.00}. We would repay once we received our refund from XXXX. This never happened though since we already paid our own 4th quarter and did not need the " lender advance '. 

I emailed XXXX XXXX all the documents I gathered proving the above and in XX/XX/XXXX he mailed us a check for {$1400.00}. However, XXXX XXXX mistakenly deducted {$620.00} from the {$2300.00} since that is the refund we received from XXXX. We were owed that amount in full. That {$620.00} was our excess funds in our XXXX. account and should've remained our money. 

After pointing out his error multiple times XXXX XXXX is no longer communicating with me. I have been quite patient throughout this long ordeal putting up with XXXX XXXX brusque responses and I respectfully request your assistance in getting reimbursed our {$620.00} to make us whole. I thank you Kindly for your consideration.

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