milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: received an initial call on XX/XX/XXXX from XXXX at XXXX in the XXXX of the XXXX indicated she would do the following in that discussion, that she would take action in the next day or so to have the account removed from collections and my account cleared at XXXX. 

The indicated actions by XXXX have not happened as of this writing which is why I am reaching out to you again for assistance. 

I have attempted to contact XXXX no less then XXXX different times leaving messages, email contacts, call back number, etc. However, outside of the initial call on XX/XX/XXXX XX/XX/XXXX has not returned my ANY of my called since our discussion on XX/XX/XXXX. 

XXXX lack of responsiveness and failure to follow through on her commitment to me is uncharacteristic of individual working in the XXXX of the XXXX period. Not only am I disappointed in XXXX lack of response to my many phone calls, but also her slight attitude in our initial conversation which appears to be consistent with her lack of follow-through action and non-responsiveness subsequent to our initial phone discussion on XX/XX/XXXX. 

At the crux of the issue is the failure of TM and Receivables Performance collection agency to completely remove any and all reporting of the {$68.00} for a balance that is not owed, and was indicated would be removed by XXXX 

However, Receivables Performance is play games with zero reporting while leaving the initial {$68.00} on my credit report which in not right.

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 05/30/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing on a mortgage

Complaint: Beginning on   X/X/17  a  nd two other sub sequent times, Bank of America prepared loan documents requesting my husband sign documents when he was not on the mortgage application. When I brought the error to Bank of America 's attention, I was told that this was their practice and that my husband needed to sign on the note. When I continued to question this practice, I was told that this was correct and I needed to sign loan documents with my husband on the note even though he was not a borrower. After pushing back, I was told they would correct the documents ; however, af ter 2 other at tempts to sign loan documents, Bank of America failed to properly correct the loan documents. Afte r 3 faile d attempts to sign loan documents, with the incorrect borrowers being named, I decided to cancel the transaction. The stress in dealing with this caused me to miss 3 days from work. In speaking with a supervisor 's supervisor,  XXXX   XXXX , on   XX/XX/XXXX  I  was told that they would refund my appraisal fee for the inconvenience caused. T  oday,  XX/XX/XXXX , I was told they will not.
I wonder how many other borr  owers Bank of America has misguided into signing incorrect loan documents.

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 05/16/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: Borrowers mortgage loan is delinquent. They received a Notice  of Default and Intent to   Accelerate on  XXXX   XXXX ,  2017 . The letter referenced a Loss Mitigation  Specialist available to provide additional information. Borrowers called that day and were on hold for over half an hour. This is not the first experience where they were unable to speak to a Bayview representative. Borrowers have previously been on long holds, calls not answered, or disconnected. Borrowers also dispute Bayview 's accounting to cure the default. Borrowers have conducted their own accounting of amount due to cure the default. The borrowers ' accounting is a lot lower than the amounts stated by Bayview  on  XXXX   XXXX ,  XXXX , and  XXXX  ( all written stated amounts are different ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Trouble during payment process

Complaint: We have two different problems. 
The first problem is that our mortgage company changed hands in the beginning of us dealing with losing our home in Hurricane Irma. Because our old mortgage company had already put us in forebearance for XXXX, XXXX and XXXX our new mortgage company accepted those terms. We would like to pay our account up to date but despite numerous phone calls to them asking them to remove fees on our account that are bogus so we can pay up to date they have done nothing. On XXXX XXXX? our account is charged 10 times each a fee of {$1.00} and {$9.00}. When you click on details for this fee there are none. No one knows what those fees are for. We are not supposed to be charged any fees while going through forebearance and refuse to pay our account up to date until our account is fixed. 

The second problem is that our new mortgage company was sent checks from our insurance company for repairs to our home. They were overpaid by over {$13000.00}. By law they are supposed to send that overage to me. I was told this by a person in Loss Draft handling our account, our insurance company says they have cashed the check but 3 weeks later they still owe us {$7500.00} acknowledging that in a phone call but having no reason as to why they havent sent it even though I was told it would be sent by XXXX XXXX immediately. Also their insurance claim website says that we are supposed to receive 25 % of our check to help start repairs which is around {$12000.00} and so far have only received a little over {$2000.00}. We had an inspection where the inspector verified that at least 75 % of our work has been done and the inspection was approved but we still have not received funds to pay our builders, etc. I have been having to put these charges on my credit card and cant keep doing this. Something illegal is going on in this company with them keeping our money. 

On the mortgage side no one bothers to fix our account so we can get it up to date so I dont know if they are trying to do something illegal and maybe get a hold of our house since we only owe {$47000.00} for it and it 's worth {$370000.00}. I 'm not sure if this company is on the up and up. We went through damage with Hurricane Mathew too and got the best customer service from XXXX XXXX and have no idea why I mortgage changed hands unfortunately to a very bad company and possibly illegal and dishonest company. I have contacted an attorney who first told me to file with you.

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 02/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Consumer Collection Management. Inc (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 1 ) I ordered TV service from XXXX XXXX in XX/XX/XXXX and switched to XXXX on XX/XX/XXXX. I never signed a contract with XXXX stating I must stay with them for two years. Their service man came, installed the equipment and I signed a paper to attest that I received the equipment. I returned all the equipment according to their request. XXXX XXXX started to send me invoice wanting me to pay them a termination fee of {$250.00} for the following one year and I refused to pay. They eventually turned it over to the collection agency ( XXXX XXXX XXXXXXXX XXXX ) 2 ) My family and I rented a XXXX BR apartment when we first returned to the US from XXXX in XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, MO. It was a 35 year old bldg. We bought a house and moved out XX/XX/XXXX. During our stay, the refrigerator door needed fixing, the kitchen sink backed up and blooding the kitchen and finally the ceiling over the bath tub fell down ( XXXX ) because the bath rm above us leaked water which collected on top of our collapsed ceiling. Our family consisted of me, my wife and an XXXX year old daughter. We did not have any pet and we we are very considerate professionals. When we moved out, the property management did not return our deposit of {$250.00}. Not only that, a month later, sent us a bill of {$800.00} for replacement of the carpet which had normal wear and tear. They never showed me any pictures of the carpet or asked me if I would pay for it. Six months later, I started getting letters from the collection agency ( Consumer Collection, MN 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 01/25/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: I was a victim of a XXXX scam in which I sent {$280.00} to the seller through Wells Fargo, using XXXX. Immediately after the transfer was completed I contacted them to cancel the payment because I realized I had been scammed. Wells Fargo explained that because I had authorized the transaction and it had been completed they could not do anything, but suggested I contact local authorities. After learning the only authorities that would hear my case were the FBI, I investigated what my other options were. I found out that you could find out what bank the money was sent to by contacting your bank, and that upon learning which bank the scammer had an account at you could launch an investigation on that account. So, I contact Wells Fargo to get information regarding which bank the scammer had an account at. The scammers account was also at Wells Fargo. At which point I asked if I could launch an investigation or what the next steps were, only to be told that because I authorized the payment it did n't count at fraud, which is true it was n't fraud on my account, but the owner of the other account committed fraud, according to California Penal Code 484 ( a ). But Wells Fargo continued to tell me that it was unlikely I would get my money back, and that this account is valid. Wells Fargo is allowing criminals to use their accounts to conduct criminal activity, as is XXXX as there have been numerous account of scams that occurred through XXXX, and large forums of scammers collaborating on how to use XXXX for scamming.

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 09/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Bank has repeatedly denied my modification based on unorthodox, and perhaps fabricated accounting rules. Unlike standard accounting and banking procedures, they informed me that " small business expenses '' do n't count as " real expenses '' in calculating " net income ''. Really? And despite the fact that a large portion of the US economy is real estate rental/lease, several representatives have informed that this " real estate rental is NOT a real business ''. Under standard accounting practices I would qualify for modification, but they willfully and strategically make-up rules to deny homeowner 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 07/22/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Per the requirements I have been sending payment with instructions to Navient as how to specifically allocate the payment, starting with the XXXX loan ( by name and number ) and allocating all fund required to pay off that loan, and then moving to the next. I do this each time I send in a new payment. XXXX out of XXXX times I have done this, Navient has not applied the payment correctly. I have had to email them and request that they go back and reallocate the payments as I instructed in my letter. This, to me, is not only illegal, but extremely deceptive. I have followed all their requirements with each letter ( I have saved copies of each ), and yet, they continue to apply the payments to lower interest loans not specified in the instructions. Only after I send them an email threatening to report them do they re-allocate correctly. I, personally, am tired of having to do this. Navient is not only ignoring the initial instructions, they are breaking the law. I truly hope this will be looked into ; I am sure there are students who send payment and do not double check that the amounts were applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had my student loan on a income contingent status I submit my pay stubs and household income and information in 2016 my account was reported as 90- 120 days late I called to inquire about this and was told since I faxed in several pay stubs for the month there was a confusion about the amount I really earned and they calculated me making 3 times the amount of my actual income I thought the account was at a payment of {$0.00} dollars monthly when I was changed to a payment of over {$300.00} dollars a month I was not made aware of this change and when I did realize it and called the company handling my loan they fixed my payments but my account still shows that my account was 90- 120 days late keeping my credit score from increasing. I would like to resolve this and get this delinquency removed from my credit reports.

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 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Salllie Mae has a fraudulent account on my credit reports since 2005. Sallie Mae is false credit reporting to keep this on my credit reports. I am not aware of this loan. It has been on my credit reports since 2005 which makes that on my credit report almost 11 years in which according to fair credit reporting, time for deletion as far as the time frame is calculated from the last payment date history in which there is none, never paid on this, so that would start from 2005. I can ask for the XXXX credit bureaus to delete. I have never paid on this unknown account, again that makes no payment history from initial reporting 2005 until now. So that alone the account is eligible for removal with no payment history. Sallie Mae needs to stop falsifying information.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed me and 140 million other Americans in protecting our privacy information such as Social Security Numbers. Have these idiots ever heard of encrypting sensitive personal information in their databases?? Apparently they do n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity National Information Services, Inc. (FNIS) (ME).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had account with a credit union. The direct deposit from the VA was not properly routed. Deposits were made in cash, at a local credit union branch. On XXXX XXXX, 2016, payments were made via bill pay. Some payments cleared, while others were returned, some payments were returned multiple times. This in turn caused over XXXX dollars in bank fees. Unknownst to me at that time, some utility payments, as well as credit cards payments were returned by the bill payment provider. These payments were coded to appear as if it was myself who refused these payments, therefore causing 30 day lates to appear on my credit files. Also, I have had a utility terminated due to this, as well as another utility suspended. I contacted my former credit union, to receive a contact number for this bill payment service. Upon contacting this company, the call suddenly terminates without my speaking to anyone in regards to this matter. Never have I had a bill payment service approve payments while there are insufficient funds in one 's account. Also, this company has not mailed me at the address on file with the credit union, in regards to this matter. The credit union did reverse the fees in regards to this matter. I also closed my account with the credit union, due to this.

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 02/15/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: XXXX : Sender 's Reference : XXXX XXXX : Bank Operation Code : XXXX XXXX : Date : XXXX/XXXX/2017 Currency : US Dollar Amount : XXXX XXXX : Ordering Customer Name and Address : # XXXX, XXXX OFF NO XXXX XXXX XXXX and XXXX XXXX : Account with Institution - XXXX XXXX XXXX Wells Fargo Bank , N.A . Head Office, XXXX XXXX XXXX : Customer Name and Account : A XXXX # XXXX Wells Fargo Bank is refusing to acknowledge receipt of an incoming international wire to my account ( please see the wire info details above ). The sender confirmed with their bank and the intermediately bank that the fund had been received by Wells Fargo Bank. I 've had the same problem with Wells Fargo Bank about XXXX years ago, but it took them 35 days to acknowledge the wire and release the fund. I called their Executive Office earlier and spoke to XXXX XXXX, who was not willing to 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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My first home -  XXXX  -  XXXX   XXXX   XXXX ,  XXXX  WAS BUY  XXXX   XXXX ,  XXXX  MY My Credit History Length WAS CORRECTLY REPORTED BY   XXXX    but My Credit History Length MY was change in my  XXXX   XXXX  credit report attached SEE BELOW THE DETAIL OF MY FIRST HOME THAT WAS FUNDED THROUGH MORTGAGE Buyer :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX  Seller :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX   XXXX  Deed Recorded : Book :  XXXX  Page :  XXXX  {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Wells Fargo did not tell me that I personally had to submit an enrollment verification. I was told this was done through the clearing house and my enrollment in school would be verified. However they did not do this and my student loan was subsequently charged off at the end of the month. I received no phone calls from XX/XX/2016-XX/XX/2016. I received a phone call today stating that my enrollment verification was not received. Who knew that I had to send it in. I received an email from my school on XXXX/XXXX/16 that my registration was finalized and I was officially enrolled in school. I spoke to " XXXX '' who was very condescending and pretty much told me I need to own up to my faults and take responsibility for my actions. I find it very sad and disheartening that it took for my loans to charge off in order to get any type of payment help. But that is very much a different story. I have repeatedly asked for help to no avail. But I digress. " XXXX '' basically told me that I should seek another loan to pay them off or ask my job for the money. How unprofessional is that?! Regardless I set up payment arrangements to begin paying off on my wrongfully defaulted student loans. I think that this should be reversed and my loans put on an in-school forbearance. She solely went off of what the girl put in the system when she spoke to me. She is allegedly reviewing the tapes to see what was actually said. Let 's see if I get a phone call back. I still have n't heard back from XXXX and that was about 3 months ago. I am just frustrated with them. They have got to be THE absolute worst company to deal with. Their staff can be very combative and aggressive, nobody is every really very pleasant and when you call them out on their stuff, there is conflict. That is when they go on the defense and the conversation goes south quick. I hope maybe this time I can get some help or clear guidance on how this works, what was actually supposed to be done, and what the purpose of the clearing house is if they do not regularly check it. This is probably all over the place but I am frustrated and upset that this has happened to me. Somebody dropped the ball and now I have to pay. And of course it will be my fault, because with them the consumer is never right.

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