milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My XXXX is not working with me to find a solution for my situation. Just giving me run around. I am trapped and do not know what to do. I applied for modification several times and they have never given me a valid reason. This time, I got this letter saying that I have reached maximum number of modifications. I do n't know what it means and they are not willing provide any proof of their statement or clarify it. They are making up fake reasons while adding all kind of fees on my account making it impossible for me to keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They keep calling me although they have the wrong name. I told them in so many words but they still call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX   XXXX  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.

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 11/14/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing to see what help I can get for my clients. Wells Fargo has been absolutely horrible, dragging their feet with a looming Foreclosure date. The day after we asked for our Modification to be reviewed again because we had a change for the better in the clients situation, we were informed of the foreclosure date. We have worked diligently to supply documents to Wells Fargo and were informed it is fax only. We can prove that every fax was received and Wells claims to not have received them. I have been given 4 different fax numbers with agents all claiming that the fax numbers are wrong and only theirs is correct. Supervisors give us the same run around as well. I am 17 days from the sale date and they continue to drag their feet with no help. Can someone please help us ASAP? We have complied with Wells Fargo on every condition and they keep stalling. We need help today. Any assistance would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was give a XXXX month reduced payment plan by Navient representative of direct payment from my checking account. XXXX XXXX payments where deducted from my account when I called Navient rep to inquire why XXXX payment was not deducted I was told the original rep had made a mistake and that I needed to start making full payments I asked why I was not notified and only to be told they where sorry. I feel that because they agreed to reduced payments and deducted XXXX months of payments that not honoring the remaining XXXX months is a breach of contract and would like to know if legal action can be a course of action?

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Checking or savings account (Savings account) with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: The account was closed in XX/XX/XXXX, because they said I was in violation of their rules. Basically, I did n't have enough money in the account at the time of the transfer. That 's fine. The issue is that every month since XX/XX/XXXX, I 've gotten emails from them stating that there are insufficient funds for the transfer. Even though they are the ones who closed the account, they are still trying to withdraw money. I 've made numerous calls over the last few years asking them to stop emailing me and to confirm that they have closed the account. First they said their system would n't allow them to stop emailing me. Then they said they got it to stop, but clearly they have n't. I have lots of records of their emails in my account going all the way back to XX/XX/XXXX.
I need them to stop bothering me with these emails. I do n't want the idea of someone trying to potentially go after money in my account with this. Nothing I 've done has made a difference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My SS and other information was potentially exposed in the Equifax hack ( I checked on their website ). I have just placed a fraud alert with XXXX. I have not yet observed any fraudulent activity on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I, XXXX XXXX ( I was recently married so my maiden name is XXXX XXXX ) I received a letter about a pass due balance of {$300.00}. I spoke to a rep on XX/XX/XXXX and requested a settlement. The rep stated will need to get hospital to approve settlement and will call back once she find out results. The rep called me back XX/XX/XXXX and left a VM. I called the company back to respond to the VM on XX/XX/XXXX @ XXXX. The rep disclosed my account info prior to verifying who I was ( HIPPA violation ) and told me my balance due at this time is {$750.00}. I asked the rep where did that amount come from I was told a different amount. Rep stated I have more than one account in collections and attempted to collect a debt on an account that was included in my chp.XXXX bankruptcy. My bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX.I had to advise the rep I filed bankruptcy and any other bill should have been included in the bankruptcy. The rep looks over the account and came back and said I see the other accounts were included in the bankruptcy. I requested a supervisor, once the supervisor came on the phone I asked her why her rep is attempting to collect on a debt that was included in my bankruptcy? The supervisor stated the rep did not attempt to collect on a bankruptcy account and the rep was only collecting on the bal due in the amount of {$300.00} and if I filed bankruptcy, I never provided that info to them so the company was not aware of the bankruptcy. I advised the supervisor with the amount the rep stated is in collections and the full amount I owe which is {$750.00} and this was included in my bankruptcy. The supervisor stated well the rep is new and did n't pay attention to the account correctly but the balance due at this time is XXXX. I ended the call. I would like to file a compliant against this company this was a FDCPA and HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Payday loan debt) with National Management Recovery Corp. (NMRC) (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received a call on XX/XX/2017 from XXXX XXXX County from XXXX stating there was some type of warrant against me and for me to call the number XXXX. I called the number and spoke to XXXX XXXX. She claim she was with the district attorneys and asked if I had received notification or served with some papers, I told her no and then asked what it was in regarding, and she said it was from XXXX XXXX XXXX   and that I owed the amount about {$4000.00} when I only took a loan for {$2500.00}. XXXX XXXX asks why I have not made payment on the loan. I told her the amounts were too much for me to pay. She asked me to pay {$420.00} so, they would not proceed to take action against me, she had all of my information as my address and email address, and she repeated to me to verify including my social security number. I put {$420.00} in my XXXX XXXX Debit card, she was able to take the amount the next day, and then she said the remaining balance for the XX/XX/XXXX is {$3000.00} and some dollars. She then said she was going to send me an email ; XXXX XXXX never did. When I asked her about the receipt, she stated that they do not send out receipts and I can check on my bank electronic payments. I made a payment arrangement so, she can take {$500.00}, and she said she can take {$600.00} and some for the next three months and I hung up with her. This did not seem right. I realize afterwards, ( from the FTC board ), collection agencies are not to threaten consumers with lawsuits or imprisonment. The part that really made me think about what happened, when someone from XXXX XXXX County calling me that I have a warrant. I filed a complaint with XXXX regarding XXXX XXXX XXXX and XXXX denied my claim. I had talked to consumer affairs and told I would have to take them to small claims. I request from XXXX, the denial letter, and it looks, as though a third party Called XXXX XXXX was the one who collected the money from my debit XXXX. They tried to contact me because I refused to put more money on my debit card but manage to take {$370.00} from my debit card. The person who called ( XXXX XXXX or someone ) left a message it seems you are trying to deceive us by not making your payment. Which I am not sure if I had erased the message or what. Collection agencies should not threaten consumers and use County

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We applied for a mortgage through a mortgage broker. When it came time to accept and lock in the rate, the mortgage broker informed us that as a condition on getting the interest rate and terms that we wanted, we were REQUIRED to open an account with the bank offering these terms. This bank is Wells Fargo Bank , NA. 

Normally, in our 30 years of owning a home, we have had our payments automatically deducted from our primary checking account with a bank ( a competitor of WF ) that we already have a relationship. But for Wells Fargo, this set up is not enough. They essentially are coercing us into opening an account and to become a customer in order to get a mortgage. If we do not open the account, we CAN NOT get the mortgage. We can not have the terms that they offered. We can not buy the house. 

We have no intention of opening an account. We can make payments as we have always done it : through our primary account with a competitor. 

WHY is WF forcing us to open an account with them when we do not want to? They are not convenient to us ; they are not near to us. We do not like their banking products, except for the mortgage. Why, as consumers in a free market, should we be forced to open an account. 

This requirement amounts to coercion and tortious interference with business relations. 

This requirement is EXACTLY why the big banks should be broken up. This requirement should be investigate and WF should be estopped from requiring this action as part of offering a mortgage product.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: problems on my credit report with equifax is that i have open accounts with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX All my accounts and in good standing but not being reported to equifax or they have not updated the information. Before i put fraud alert on my report my open account with XXXX XXXX  reported but since after it now does not report to them. i have no problems with XXXX or XXXX reporting information the only problem is with equifax. This information should be reported because they are all in good standing!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Medical) with Medical Society Business Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: While checking my credit report I noticed on XXXX credit report that a medical collection account was listed. I disputed the unverified account with XXXX on XXXX different occasions however they say that it 's verified and failed to provide me any information on the method of verification. I do not have any knowledge of this alleged medical debt and XXXX has ignored by dispute and refuse to re-investigate or provide information to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Consumer Loan (Vehicle loan) with CarMax, Inc. (SC).
Issue: Managing the loan or lease

Complaint: I have a XXXX Ford Focus from Car Max Auto Finance. I have been making payments on the car since XX/XX/XXXX. After reviewing my credit report Car Max had my car listed as a charge off two times, XXXX in XX/XX/XXXX and one on XX/XX/XXXX. I contacted Car Max and was told via phone and written correspondance that they would have my credit corrected with in 90 days. It has been over 120 days and my credit has not been corrected and I have suffered greatly from the incorrect reporting. I have been unable to purchase a home due to the dispute. I want my credit corrected immediately and request to have any and all negative marks removed due to the inconvenience and hardship this has caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: As you will see on the attached documentation, I have requested on 3 occasions the documentation to verify the accuracy of the debt that they are requesting me to pay for. The services were cancelled as of XXXX/XXXX/16. However, the statement received has billing showing XX/XX/2016.-XX/XX/2016. It does not state anything but a prior balance and a statement balance. Requesting to verify a debt means that the debt must be verified with accurate backup details, providing statements is not providing satisfactory documentation. I have escalated this issue to the parent organization, as well as the attorney generals office due to the neglectful actions and response received from the CBE Group thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt collection company is trying to collect a debt I have no knowledge of, They have not given me any prof I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I had a discharged bankruptcy in 2008. It is nearing 10 years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between 7-10 years. I have submitted a request for removal before on at least one credit bureaus. The other one ( I think XXXX ) requires a 10 digit code from the item listed on the report. That 10 digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past 8 years and so close to 10 years.

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 07/15/2016 about Mortgage (FHA mortgage) with loanDepot.com, LLC (NC).
Issue: Application, originator, mortgage broker

Complaint: My wide & I have been looking for a house on XXXX for a few months & the site suggested we talk to a loan office to get pre-qualified. We submitted our information and soon enough XXXX XXXX XXXX from IMortgage called us to discuss the process. 
We gave him all the necessary information and within a few days we had a pre-qualification letter for {$300000.00} and we started to talk to a real estate agent. We found the house & started the process of getting the mortgage. The numbers from IMortgage were good & we believed the house was affordable. We paid the Due Diligence money ( {$1500.00} ), the Ernest money ( XXXX ) and paid for inspection ( {$490.00} ). I also was told to pay my taxes in full ( {$10000.00} ) instead of monthly installment. 
We had the closing date set for XXXX XXXX and everything seemed to be working fine. 
Just two days before the closing, XXXX XXXX called me and stated something is wrong with the number. He made a mistake & did not calculate the HOA fees correctly and so we can not close on the house. That was a decision from the underwriters and there was nothing he can do about it. 
I called his supervisor ; XXXX XXXX XXXX to complain who promised to find a solution and will call me back be he never did. Instead, XXXX XXXX called to state he knew I called his supervisor but still, there 's nothing he can do. 
My lease on my apartment ends on XXXX XXXX and the apartment management told me that we have to vacate it because it 's already rented. I have a XXXX woman & a XXXX year old daughter and I 'm not sure what to do or where to go. Our lives are a mess because of their mistake and they 're not even showing any remote compassion for us.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My student loan increases day by day because Department of Education institution are adding {$5.00} dollars each day. I had to ask to the Treasury Department that they deduct from my Social Security retirement benefit check as survivor of my deceased husband a XXXX or XXXX quote because I could not afford the amount that XXXX XXXX first and NAVIENT later was requiring from me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Medical) with Debt Recovery Solutions of Ohio, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have attempted numerous times to contact Debt Recovery Solutions. There is no address or phone number..Please help .. trying to contact this Collector or Radiology Company with an current correct address or phone Number.

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
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: SLS doesnt want to do anything they dont explain just say denyed how is that possible?????? 

I am including reports please pay attention its very croocial I want action about this froud SLS now before they take my home just like all the other home owners that lost their home buy SLS

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 03/30/2016 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is my second response to this company regarding this matter. They are attempting to collect a debit that is not mine. I have never been to this Dr XXXX The amount they are trying to collect is {$110.00} It Was Submited for Collections on XXXX XXXX XXXX. 
The last XXXX of my ss # is XXXX date of birth is XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I settled all my debts a couple of weeks ago, I paid all XXXX collection agencies that claimed I owe them. XXXX recovery systems claim I owe them {$780.00} plus, I settled with them on XXXX XXXX 2017. My conformation # is XXXX. 
I also settled with XXXX for {$33.00} ( which I owed ) I setteled those accounts on XXXX XXXX as well. Conformation # is XXXX and XXXX was also settled since the credit was sold to the same creditor. Payment conformation XXXX. 
All these payment were made electronically and I proof of payment. 
I do plead that you look into this urgent matter for me and I truest appreciate the help and thanks in advance. 
Sincerely XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation