milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Settlement process and costs

Complaint: Upon closing of our loan in 2007 we were told that we had a fixed rate loan and that the payments would be XXXX per month. Twenty-one days after the loan was closed and fifteen days after the money was funded and disbursed to pay of other debts we received a letter from our loan company stating that if we did not sign the papers enclosed that the loan would not be in compliance with state and federal guidelines. The papers were the ARM disclosure part of the loan and they had been post dated back to the day of closing in handwritten ink. Of course we never sent these in because you never sign anything after closing. Several months later I complained to the attorney general reguarding not being informed about the ARM rate at closing. I received a letter back from Bank of America stating that they were concerned with my complaints and that they would respond back with an answer within 2 weeks. In 2 weeks I received another letter from Bank of America stating that they were sorry about the delay in getting back to me but I should receive an answer in another 2 weeks. When I did finally receive papers from them, all it was telling me how they had no record of my complaints and no record of them turning me down for XXXX loan modifications that they told me I needed to be behind 3 payments before I qualified for it and then they try to foreclose. In the packet of letters they gave me trying to prove me wrong about the ARM disclosure there was the same paper with the ARM disclosure with my signature and my wife 's clearly forged on the document and also the same handwritten date where they had photo copied it before hand. We still have the original letter and the unsigned document in our possession. And also my wife 's name is not on the loan, She was not required to sign anything but all of the sudden her initials are all over these papers. I want to know what attorney I can get to make this right. I do know that forgery in the origination of a loan makes the loan void. We have had many financial hardships because of this and have filed bankruptcy 3 times. Our credit rating is shot so there is no way of refinancing. I have tried on my own to work out the situation with them, but knowing they purposely deceived me and the courts I believe they can not prove that they have the right to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI).
Issue: Fraud or scam

Complaint: I was manipulated into sending {$580.00} to a company that promised me a loan in the amount of {$5000.00}. They are refusing to deposit the loan and/or refund the {$580.00} I sent them to obtain the loan. I was scammed out of almost {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX We needed new utility service my wifeI was notified we had an old debt for utilities my wife was told we had to contact collection agency to which my wife did she called XX/XX/XXXX and spoke with XXXX XXXX who verified the service address to which we owed money for she was told by XXXX we could split payment up and then was given a confirmation number to which we had to supply to utility company for even being able to start new service-once utility company verified payment with collection agency our new service was started-Now over a 2 years later after reviewing both of our credit report we are both surprised to see where this debt still remains on our credit reports as unpaid as well-when I researched I discovered Collection Associates the collection agency did NOT apply the money we authorized for utility company debt to be paid but instead Collection Associates paid an ALLEGED debt we knew nothing about nor have we ever acknowledge-So we contacted Collection agency via emails along with emails to utility company asking this to be taken care of-the collection agency response was for my wife to call them-my wifes response to them was no seeing how last time she called you screwed that payment up-I did call the collection agency to which this was to be all taken care of and as of todays date it has NOT-Collection Associates withdrew money out of our bank account and applied money to an account we did not authorize the money that was withdrawn to be applied towards-when Collection Associates was notified of this they want to dispute any Wrong Doing they done-I also requested that they pull phone conversation up to which XXXX and XXXX on XX/XX/XXXX at XXXX and XXXX both said they would not do-I also requested that the phone conversation he was having a copy be mailed to us and I was denied this as well-XXXX also told me on the phone conversation of XX/XX/XXXX that their err of Collection Associates would be removed from our credit reports and as of todays XX/XX/XXXX date this has not been done nor has there been any copy of conversations mailed to our address as we requested-We want this collection agency removed from our credit files-if they pull up the conversations and mail them to us this would be proof our our account was paid and this collection agency made MISTAKES-needs to removed via the collection for XXXX that we ow {$0.00} to and ultility bill {$0.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I asked for a copy of mine and my husband 's credit report after seeing inappropriate data on documents presented at the time of closing on our house. A GENEROUS amount of incorrect information appeared on our credit report - over XXXX credit cards that do not belong to us, with a name and address in another state. I called Transunion, the credit bureau responsible for the additional data, as they had included ALL information for an individual who has the same first name and last initial as mine. Uncomfortable with the fact that I now have all of HER personal information - address, place of work and every credit card number she does/has possessed, I also wanted the appropriate credit score for mine and my husband 's credit history. I asked Transunion to remove her information from the credit report. They assured me they would clean up the credit report and send me a new XXXX within a couple of weeks. That happened on or around XXXX XXXX. 
I called the company today, XXXX XXXX. Today the Transunion representative indicated they could send a new credit report out, but it would not include fresh credit ratings. Further, today the representative indicated that XXXX HAD already been sent on XXXX XXXX. When I asked the question, " To what address? '' the response was THE ADDRESS OF THE OTHER INDIVIDUAL?!?!?! 
This is a bigger issue than getting my credit report cleaned up or getting a fresh credit report and credit score, although those are important aspects to me, as well. There is an alarming gap in processes that allow for me to see information with a Social Security number of a person who simply has the same first name and same first initial of last name ( not even the same last name ) as mine. And, even more alarming, now I am extremely vulnerable, since this other person has been sent a printed copy of all of MY personal information - including my social security number. I am absolutely stunned - I have XXXX social security number, distinctive from any other person and a computer filters exact data, not " approximate '' data. 
In a climate where great caution is encouraged, identity theft is rampant and government agencies are in place to protect the consumer, I am mystified that this could happen. 
To add insult to injury, Transunion will not provide a full credit report without charging me and will not freeze my account without charging me. They have created an incredibly vulnerable environment for someone who keeps my nose to the grindstone, pays bills on time and trusts that the processes in place will protect me. 
I do not even know where to go from here, or what I should do to further protect mine and my husband 's data, strong financial history and my social security number?!?!?!? It has now been sent to someone whose only common data point with me is the same first name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Debt collection (Medical debt) with Community Health Investment Company, LLC. (TN).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: The date of the phone call was  XXXX / XXXX / 2017 . I filed victim of crime for the medical bill and I was not contacted about that being denied, The company  is Professional Account S ervices. Phone number is  XXXX .  XXXX .  XXXX . The rep did n't advise call recorded or MM, did n't verify if I was the correct person. Wanted to know how I was going to take care of the debt today. Advise rep that I was n't able to that I had filed victim of crime, Rep then advised that was denied, I had advised that I was not contacted about it bein g denied. Rep wanted to verify my information and then hung up the phone. I did n't feel I was being treated fairly or being informed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (PA).
Issue: Money was not available when promised

Complaint: Paypal is arbitrarily applying hold policies despite my being an account holder in good standing. In the latest incident, paypal arbitrarily applied a hold against my account for funds from an auction completion. No where was the made explicitly clear that this transaction would flag some arbitrary rating system, applied by EBAY and Paypal which are now separate companies. Furthermore I never allowed, approve or otherwise granted Paypal permission to share my account information with anyone else, including Ebay which is now a new and different company. This issue goes along with paypal charging fees that were not disclosed in given transactions. Most recently they charged a seller a fee was omitted from the disclosure they provided to me during and upon completion of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Settlement process and costs

Complaint: Hi, I have received a approval on my short sale, after a year, there was a question on a line item on the Hud, on XX/XX/2017 i emailed the response and explained why the number was on the hud, the second lien holder did not no the loan was haffa approved, so knowing that they are asking for XXXX, I have a date given by SPS of XX/XX/XXXX to close, i was told 5to 7 days to get a answer, it is now XX/XX/XXXX, that was my first complaint, which brings me to this complaint, when i called on XX/XX/XXXX t, and spoke to XXXX he told me because I have sent a complaint to CFBP, that they have to answer that complaint it priority and they have 15 days to do so, i asked what happen to the 5 to 7 days after i sent the answer about the hud, that has been under review for 10 day already? he just kept repeating that the CFPB comes first and that is there priority to answer them, and the review dept i guess stops working, while the Ombusman Dept. answers the complaint. I was also told that in XXXX the {$12000.00} that could of been offered was cut in 1/2???? 
all I want to do is close on the property and all i need is confirmation, that they will pay the {$12000.00} to the 2nd lien holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I became total and permanently XXXX after graduating from college. Now, I have no source of income, other then what I get from XXXX. I attempted to have my loans discharged by said loan company and was denied. I am unable to make payments on my loans because I am unable to work. The only sensible course of action would be a discharge of said loans. It is unreasonable to penalize a person who can not make payments. If my loans are not discharged I will face default and eventual debt collection agencies. Therefore, I challenge the legitimacy of a company that employs such methods.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This debt was settled and discharged but it is still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX Unauthorized Transactions and 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 explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed Capital One ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to Capital One has been paid - they still listing the full amount of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Auto) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I dispute the validity of this debt. 
I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007. 
I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt. 
2. I request any and all information pertaining to this debt including date of agreement. 
Until such verification is received you may not contact me in any form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Mortgage (Conventional home mortgage) with TOWNE MORTGAGE COMPANY (CO).
Issue: Trouble during payment process

Complaint: Towne Mortgage is increasing my mortgage company by {$560.00} per month due to a clerical error on their end. They have drained my escrow account paying XXXX XXXX XXXX. They have not once called in 2 years to let me know there was an error in the amount they were collecting from me in escrow. A customer service representative named XXXX XXXX admitted verbally on the phone that Towne Mortgage has been paying XXXX XXXX ( as we agreed in escrow ) but they were not charging me in escrow since the day they dropped our mortgage insurance ( XXXX/XXXX/XXXX ). When our mortgage insurance was dropped by XXXX XXXX at Towne, she or someone else at the company accidentally took off our home owners insurance and did not tell us. They could have caught this problem the first time they paid out our insurance and multiple times after. If we would have been aware we would have told them something was wrong. We have trusted this company with our loan and escrow and never once gave consent for our escrow to be altered since buying our home in XXXX. The most suspicious aspect is the fact Towne has been paying out XXXX, but not charging us. This shows that they are unorganized and made the mistake. It seems pretty simple for them to find this error since they have paid XXXX multiple times. Instead they send us a new bill of almost {$600.00} increase with no explanation. I had to call multiple times and finally was told by XXXX XXXX that " it was an error on [ their ] end. '' We can not afford to pay an extra {$600.00} a month for an entire year. We would like to pay no more than {$200.00} a month until the debt THEY created by THEIR error is paid off. We have never missed a payment and have trusted Towne with our loan and financial asset. I would like for this to never happen to anyone else, but fear this company is so disorganized, they could let an error like this happen for almost two years. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (RI).
Issue: Unsolicited issuance of credit card

Complaint: About 5 years ago I opened a savings/checking account with XXXX Bank. The institution without my consent sent me a credit card which I did n't apply for. I consulted the banker back then and was informed that it would hurt my credit if I cancelled/closed the credit card account so I decided to keep the card. Today, I requested the bank copies of my initial application and they refuse to provide them ( application no longer available ). The representative further stated that the bank may now close my account due to the fact that the credit card account was opened fraudulently. I informed the representative that I am fully responsible for the current charges and I have always made payments on time for the last 5 years. I am now afraid that the closure of the account will affect my credit score and this will greatly affect me in the future. Further, I am concerned that the bank will require me to pay the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This agency is reporting a debit on my credit report without proper documentation to collect. The State of Texas requires an ACTIVE license or Surety Bond to Collect a Debt. or report a debt in the State of  Texas. Please delete this account from my 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 03/27/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am currently in bankruptcy, with XXXX on my mortgage. I am making payments under the XXXX XXXX XXXX, and has never missed a payment in four years, i have repeatedly disputed this account with Experian about why it is still showing past due. They refuse to remove all past due payments, which are supposed to be remove under the chapter XXXX plan, This is the only credit bureau that i am having this problem with. I have pursued my legal rights under 15 USC Section 1681n or 1681o to comply with the law. Under the provisions of the Fair Credit Reporting Act. Please investigate and contact me please concerning this matter. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I experienced some financial difficulties after the death of my wife of nearly 40 years. I was diagnosed with XXXX XXXX and then layed off from my job shortly after. I regrettably was left with no choice but to file bankruptcy. Since that time, I have returned to the work force and have attempted to work with Wells Fargo to avoid foreclosure of my home. I am willing to assume XXXX % of the debt on terms that I can afford which are terms that I know Wells Fargo has offered to other borrowers. Wells Fargo refuses to work with me and unfortunately, I believe that they are discriminating against me due to my age. I have knowledge of a younger working man that was offered unbelievably generous modification terms from Wells Fargo but I am told that they are not willing to consider a modification of my loan unless I agree to terms that I can not afford. I believe that they want to take my home and are unwilling to work out any other solution. I have been in the home since 1989 and have an emotional attachment because my wife passed away in the house. I am trying to workout terms with Wells Fargo that are much more beneficial to them than they are to me but I was just told that they will not consider a modification under any terms and will only move to foreclose. This seems punitive and unjust. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this one late payment to be removed because it is affected my score in a negative way.

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