milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I attempted to purchase XXXX XXXX Tickets for {$350.00} through Wells Fargo 's online banking app via XXXX. The funds were sent to the recipients bank called XXXX XXXX XXXX. 

Within 30 minutes from making the transaction and NOT receiving the tickets I filed a claim with Wells Fargo to stop the transaction. Wells Fargo responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank ( XXXX XXXX XXXX  ) and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing Wells Fargo could do and that the claim was closed. I've asked them if they could verify that the stolen/illegitimate checking account could be shut down - WF says that is up to XXXX XXXX. XXXX XXXX  will not discuss another account with me because I'm not their customer. 

However, Wells Fargo did tell me ( and I've learned ) some interesting things. In the letter they said that my transaction was initiated on XX/XX/XXXX. It did. They also say that this transaction did not post until XX/XX/XXXX ( 2 business days later ). This was after my dispute was filed and after they " opened '' their investigation. Fishy. I have attempted to recover these funds with no success. I have also filed a police report. Wells Fargo also advised my to hire a lawyer. I am not sure why they would recommend this is as I believe they are advising me to sue their institution to recover my funds.

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 03-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a medical bill that is the subject of a good faith dispute. It was submitted by the medical service provider to my health insurer using the incorrect billing code. The claim was resubmitted, but the insurer has not yet responded. In the meantime, the medical service provider still has in its records that I owe the entire balance, which may or may not be true, depending on whether insurance covers some or all of the charge ( and I strongly suspect this would be covered ). The medical service provided was a series of vaccines required before traveling abroad. I received XXXX, and XXXX were covered. It was the XXXX that was submitted incorrectly, and is being resubmitted. Because the other XXXX were covered, I have every reason to believe the fourth will be covered as well. 

Despite the good faith dispute, I have received several, increasingly hostile, calls and mailings from the medical service provider 's collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (I do not know) with Convergent Resources, Inc. (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I got a demand letter from XXXX XXXX XXXX. dated XX/XX/2018 indicating that the account records of a second debt collection company, XXXX XXXX XXXX XXXX XXXX show that I have an outstanding balance of {$970.00} owed to XXXX XXXX. Convergent 's letter offers to allow me to settle this fictional debt for 25 % or {$240.00}. I have no knowledge of XXXX, XXXX XXXX or Convergent nor have I ever been contacted by any of them to include substantiation of such debt. Just a nebulous demand letter for a non-existent debt from a state that I have never lived in. I believe this to be a scam and an attempt to scare Senior Citizens into settling false debts for a reduced cost.

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 12/22/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My home flooded. I received a check from my insurance company endorsed it sent to Roundpoint Mortgage. I have been sending them information from myself and my contractor for 2 months and still have not received a check to pay my contractor for the work they have already performed. They tell me what info they need. I send the requested documents time passed while they work on it then they need more or different documents. Told that all documents are in order check will go out the next day. Wait a week for the check and then call and no still not approved need some more documents. The will not give me my insurance money. Every time I call it is someone with a different story and I can not talk to anyone who can make a decision.

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 03-06-2018 about Debt collection (Other debt) with ERC (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Having recently moved back to the United States, I decied to check my credit reports as I had been out of the country for almost 2 years. While it's in the 700 's, I do have 3 collection accounts which I am trying to resolve.

I called ERC to discuss what the account was for and why the dates on my report are wrong as I had not even been in the US for 2 years. After researching how to respond in writing for verification and

possible settlement, they did not respond in writing within the 15-30 days of me sending a certified letter. I did receive the returned receipt which was signed. Also, I learned that ERC has had 100 's of complaints about how they do not respond in writing, try to get bank account information over the phone, report an old or non-existant debt and then when settled or even paid in full, they do not take it off your credit report. I found out that even if you pay the original creditor in full that ERC will still try to collect and file negative reports to the credit bureau. This leaves me with no desire to pay them anything as it will have slim to no chance of improving my score. Honestly, with all the complaints that have been published, how they are not shut down is a complete mystery to me and many others??? They are obviously in violation of many rules that were created to protect the consumers from the situations I have described. It seems that we have no recourse even if we follow every step reccommended by the CFPB. Please advise if you have anything new to deal with these unfair and unlawful tactics. 

Thanks, XXXX 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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 12/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Collection agency Portfolio Recovery Associates is trying to collect debt on an invalid account for {$670.00}. According to California Code of Civil Procedure 337 ( 1 ), the statute of limitations for a written contract is four years. Under 339 ( 1 ), the limit for an oral contract is two years nor do they have a contract with my signature stating that this account is mine. Providing specific dates, a bill or other inquiries doesnt make this account mine. On my XXXX, XXXX and XXXX Credit report this invalid account reported its delinquency on XXXX 2013 which is past Californias staue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A roommate used my social security number and forged my signature to get medical help. This collection was previously deleted when the collection agency could not provide identification used at the time my information was used. They simply provided an invoice with my social security number and a forged signature. NO ID showing me as the debtor has been provided! It 's well documented that this company uses false and illegal tactics to collect money from innocent victims. I feel sorry for all the people that have had this same experience with this company. The fact that I have never had a collection against me and have perfect credit otherwise, why would n't I pay this if were really mine? I pay my bills.

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 08/28/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates LLC keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing Portfolio Recovery Associates, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: SECOND COMPLAINT Ditech has me multiple notices requesting proof of hazard insurance on my condo. I mailed them a copy of the policy more than a month ago, then received a second request weeks later. When I contacted Ditech by phone, they stated that they had n't received the copy that I mailed. When I asked if I could send a PDF of the policy via email to ensure receipt, their representative stated that they do n't have email. I sent the policy a second time via fax, for which I received a confirmation. 

Yesterday, I received a second and final notice that they had either not received a copy of my policy or that the policy had expired. 

I 've carried mortgages for multiple properties, single and multifamily, and never had to provide proof of hazard insurance more than once to any lender or servicer. Putting this burden on the customer every year and forcing a hazard policy if the customer fails to provide proof seems underhanded and fishy. Ditech surely receives some margin or commission on the sale of these forced policies. 

I believe Ditech is making this requirement intentionally difficult and profiting from their customers ' fatigue -- with the process, the refusal to accept email, and the torrent of " important '' promotional mail we receive from Ditech which we have to open every time lest Ditech charge us for a redundant insurance policy. It might be legal, but it 's slimy and it 's bad for consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Student loan (Federal student loan servicing) with MOHELA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have multiple student loans that have been in repayment for more than 10 years. I currently owe about $33,000. I asked my previous loan servicer, Mohela, about qualifying for the Public Student Loan Forgiveness program and was told (via phone conversations) that I had to work for a qualifying employer and make 120 on time payments. They did not inform me that only specific types of payment plans qualified. Only recently did a Mohela representative point me to the correct form for PSLF, after years of being told I was on track. After completing the paperwork, I learned that NONE of the payments I made over the past 10 years qualify for PSLF because of the type of payment plan I was on, even though I was making on time with payments and worked for qualifying employers. I chose to work in the XXXX and public sector in part because of this program. I feel that Mohela misled me and provided incorrect information. Furthermore, the Federal Student Loan materials related to this program are confusing, not transparent, and difficult to navigate. Now that I've switched to a PSLF plan, it's nearly impossible to get straightforward answers to questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Bank of America did not adjust my automatic payment or inform me to adjust my automatic payment when my balance increased. Then they collected fees and reported me as being late to the credit bureau for two months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX we were processing of Refinance of my house. The Loan Office request me to pay the fee for the Appraisal for {$500.00} and the HOA form for {$200.00}. I did talked with her that the Loan is not approved yet, I only want to pay the fee for both after the Loan is approved. But she keep asking me to pay the fee instead they do know that they don't need to collect that fee until the loan is approved. Finally, they charge me {$500.00} for the Appraisal and {$200.00} for the Form of HOA. After they denied my loan, I called and ask to refund the fee for Appraisal and the fee for HOA form. They promised to refund but up to now I didn't receive any things from them. 

I'd like to ask The CFPB to protect us for PNC treating unfairly to us. Thanks for you concern. 

Best Regard, XXXX XXXX XXXX. I attach here the two documents in which the first one is the HOA form, they order. 
The second document is the Letter of PNC to order the Appraisal for your review

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Sometimes medical facilities charge what is considered in Florida a prohibited practice of balance billing. I suspect this collector - the Collection Information Bureau - is calling my home continuously about some related item. At one point I did ask them to stop calling but they keep calling anyway.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: The loan provider took me out of deferment while I am still enrolled in school.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus XXXX, XXXX, and Transunion. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account XXXX is also XXXX account which all XXXX bureaus must have realized the late payments were incorrect and deleted it. However, Trans union suddenly started reporting the late payments again. This account is : XXXX- account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: On Friday XXXX XXXX, XX/XX/2015 I made a deposit of XXXX paychecks at my Citibank branch ATM. On Saturday XXXX XXXX there were a couple of debits to the account, and I withdrew money from the ATM. On Sunday XXXX XXXX my husband attempted to access my online account and was met with a blank account page. He assumed the website was undergoing maintenance and moved on. On Monday XXXX XXXX I attempted to make a withdrawal at my branch ATM and was rejected. I assumed there was a problem with the ATM, and as the branch was still closed went to another ATM location. When both that attempt and a purchase failed I returned to my bank, which was now open. The teller told me that neither him nor anybody else at the bank had any access to my account, and gave me a toll free number to call. I spoke to XXXX different 'supervisors ' when I called. Neither could give me any information regarding my account, accept for alluding to my Friday deposit being involved. I was told the fraud department was handling my case, and that they did n't take phone calls. I was advised to call back in XXXX hours. I called back on Thursday XXXX XXXX, XXXX hours later. I was told they could n't give me any information, and to go into my branch to see my banker. I was on my way to work, so could n't go in until the next day, Friday XXXX XXXX. My banker cleared everything up, opening my account back up, and explained why fraud had been suspected. What he could n't explain is what this complaint is about. Why, over the course of 6 days, did n't anybody from Citibank reach out to me? If I had n't needed to get cash out of the bank on Monday I would n't have known that anything was wrong. If someone had been attempting to commit fraud, I would n't have been given the opportunity to protect myself and check other accounts. I could have accrued fines and had my credit negatively affected from automatic debits not going through. Worse still, If I was alone, with no support network, and no access to my money, I may not have been able get to work, feed my child, etc. I also find it frustrating that all the people I talked to during my XXXX calls were " supervisors '', and that they would n't direct my call to someone who really was in charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Medical debt) with Payment Resolution Services (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Payment Resolution Services is attempting to collect a refund for a payment from XXXX that was never sent to me. The payment was for an out of network medical claim that was processed incorrectly. The claim was corrected after multiple appeals found in my favor - but XXXX still processed this incorrectly eight ( 8 ) separate times. I have documentation from XXXX this payment was never sent, the check was never cashed, and I do not owe this amount. I have filed multiple complaints with XXXX to try to resolve this. My company 's XXXX department has tried to resolve this. I have sent a letter to Payment Resolution Services disputing the debt and asking them not to contact me further. I am still receiving letters that I owe {$37.00}. Please note Payment Resolution Services is now sending me a collection letter with a different account number. 

I have attached proof of delivery of the debt dispute letter. Continuing to contact me is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation