milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The original call was from a rep trying to find a XXXX XXXX by dialing every XXXX named XXXX in the phone book, she called me KNOWING that the number did NOT belong to the debtor. She then demanded to speak to the debtor and threatened me if I did not put her on the phone, I told her that I did n't know the person she was looking for and that no one by that name lived at my address. She said that did n't matter and if the debtor was not at my address I should pay the debt anyway to get them off my back, and that she would list me as the debtor even though she knew I was not. I then received a threatening email from Wells Fargo complaining to you, and on the XXXX of XXXX. I received a threatening letter from XXXX XXXX XXXX, when I called she demanded payment of the debt and an apology even though she said she knows it 's not me they want, it 's just I am the XXXX they can get to. I DO NOT owe this debt and have never done business with Wells Fargo in any way shape or form. These people must be severely punished and made to pay for there threats and {$1500.00} for the unlawful pnone call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (UT).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I recently divorced. Our mortgage loan was XXXX of our names. I was awarded our home in the divorce settlement. I have been trying to refinance the mortgage in my name only with my local credit union. Our current mortgage is with Sovereign Bank/Santander. Ever since Sovereign Bank bought our Mortgage from another company, we have been having problems with them. I took over our mortgage payments in XXXX of XXXX. My ex-husband had been paying them previous to that. My ex-husband 's last payment was made on XXXX XXXX, XXXX. He was up to date on all payments and had not missed a payment up until that time. He did not give me the financial information to start making the payments myself until the middle of XXXX of XXXX. To make up for the payment due in XXXX, I made XXXX payments to Sovereign Bank to make up for it, XXXX on XXXX XXXX, XXXX and XXXX on XXXX XXXX, XXXX. From that point on, I have made every payment on time and in full. However, Sovereign Bank keeps charging me a late payment fee of {$28.00} each month because they claim that I am missing a payment somewhere, but can not show when the missing payment was. I have a printed copy from them showing each payment from XXXX XXXX, XXXX through XXXX XXXX, XXXX and a copy of my ex-husband 's and my own bank records showing our payments and neither show any missed payments. They also show a fee called " Conversion Unknown '' with a code of XXXX for {$740.00} on XXXX XXXX, XXXX. I have no idea what that is. I also get a fee with the code of XXXX or " Unapplied Funds '' that they have n't explained and another code of XXXX that is n't explained on their list of " Transaction Codes ''. I have tried to access their online mortgage services that I have previously used to contact them and for the last four months the site says that they are experiences technical difficulties and ca n't respond. I have had

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 08/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo response still does n't address my mortgage delinquency. This lender is not trust worthy or ethical and they tried to illegally foreclose on my property and I caught them. I have been trying to get Wells Fargo to do the right thing since XXXX 2015 asking them for a loan modification. They will absolutely not do it and have denied me and my family 6 times. My property has a good amount of equity and Wells Fargo continues to play serious hard ball denying me on every turn I take to get mortgage assistance. This huge bank is just not in the business of helping certain home owners. They want me to take all the responsibility for {$49000.00} behind payments. I would not be behind this far if Wells Fargo simply did n't lie during all the loan reviews and would just start taking payments to stop the bleeding. They continue to refuse me paying toward my mortgage. I signed a promissory to pay back what I borrowed even if I am delinquent. If Wells Fargo continue to deny my loan mod request then why do n't they at least allow me to make payments to keep the balance down. Wells Fargo wants to keep the fees and balance growing so its nearly impossible for me to ever catch up. I have been very transparent with Wells Fargo but their reps continue to ignore me and laugh in my face. The are the most brutal lender I have ever seen to work with. My last denial said I made enough and could afford the payment. Yes I can afford the payment so therefore I deserve the right to stay in my home with my family. My wife and I have a XXXX XXXX XXXX girl for XXXX 's sake!! We do not have the ability to come up with the $ XXXX over night. My wife and I had some terrible family hardship, loosing a child, that led to the delinquency. How can any normal lender with compassion not wan na help a family who lost a child. Do they believe in XXXX karma and have a conscious? I need some type of plan or assistance from Wells Fargo. But they wo n't do it because they want my equity in my house through foreclosure. They will not say this but its true. If my home was under water in a bad market, a loan modification would be granted immediately. Wells Fargo has fought me tooth and nail like a heavy weight fighter. I just recently sent over my appeal request with a change in income circumstances. I have a new job with XXXX XXXX and I 'm eager to start making payments. I am hoping this appeal will get me a loan modification approval and a trail payment plan. I would like a phone call from the CEO or the head of mortgage lending to resolve this delinquency ASAP. Thank 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 04/24/2017 about Debt collection (Mortgage debt) with PLANET HOME LENDING, LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received certified lette r ( s ) Planet Home Lending LLC   XXXX   XXXX   XXXX   XXXX  's  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . on or about  XXXX / XXXX /  XXXX   threatening asset forfeiture proceedings within 90 days if I do not either pay them {$320000.00} or bring a non-existent account current.     My current home mortgage rests with  XXXX   XXXX   ( t o the best of my knowledge ), and the amount of that mortgage is approx. {$220000.00} In the documentation they sent me via certified mail, the claims of : {$320000.00} / This is about {$100000.00} more than my current mortgage with  XXXX   XXXX  The threat to seize my assets ( though there is currently no contract between myself and or any of these entities ) The Declaration Page of the Foreclosure Loss Mitigation Form ( attached ) claims to be a true and correct copy though the document has clearly been altered.     They also claim that they legally represent the note holder, and  they may.  But they have provided me with no proof of that and have not met  XXXX  requirement according to the  UCC 3-501 Verification Standards.      Without or until they provide verification, they have violate d : USC 18.2071,2073 .   Between  XXXX  &  XXXX  (   XXXX   XXXX    ),   The goons they use for surveillance of my propert y ( Lic. plates are  XXXX  ), Planet Home Lending &    XXXX   XXXX   XXXX  (  Both  XXXX   ),  thats at least  XXXX  individual parties.     Sending false documents through the mail also appears to v iolate USC.18.1961, and I  have filed a formal complaint with the  XXXX   XXXX   XXXX  of this possible violation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim, his information was used to apply for several credit cards without his consent. Those application resulted in fraudulent inquiries, disputed were sent to those creditors to have those inquires removed however Chase has not removed the inquiry. A recent letter was received by Chase confirming an account ; the account was never in dispute, the fraudulent Chase inquiry was. Chase is now in violation of the FCRA by reporting and verifying fraudulent credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Debt collection (I do not know) with Peterson Enterprises Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hi this debt on my XXXX report from valley empire collections is innacurately reporting negatively on my credit report. This debt has not been validated I have not received one notice nor any proof or disclosures of this debt. It is in the amount of XXXX and acct number showing is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Loan modification,collection,foreclosure

Complaint: My Home mortgage is currently working on modification but XXXX is published to sell my house without open house in XX/XX/2017. I opposed this during the hearing but judge granted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Mortgage) with TCF NATIONAL BANK (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: TCF BANK TOLD XXXX THAT LOAN NO XXXX WAS OK TO UNLAWFULLY RE-INSERT ACCOUNT WITHOUT XXXX DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A. THIS HAS TRANSPIRED XXXX TIMES OVER XXXX YEAR PERIOD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (MD).
Issue: Settlement process and costs

Complaint: My closing cost change many times, I had 3 estimate costing close and one closing disclosure cost, in my first estimate I had to pay XXXX, than less than a week send another estimate for XXXX, than for a XXXX, now in the closing disclosure is XXXX. Also the lender have change the day for closing several time, first was XXXX XXXX, than XXXX XXXX and a possible closing for XXXX XXXX, and now is on XXXX XXXX, they did n't notify me when they chance the one that was on XXXX XXXX, even right now I do n't know the hour of the closing for XXXX XXXX, I had contact the lender and let them know that I need the closing on XXXX or XXXX, becuase I have until XXXX XXXX at XXXX to turn in the apartment or I have to pay a full month. Also I had contact the lender about the closing cost, and they do n't give a clear numbers, they said that was a mistake that it will be correct on the closing day. Also need to close before XXXX XXXX because I do n't work in the weekend so I can move my belongs, Just need to rent a truck and a few movers. but if is on XXXX XXXX than I need to hire movers and the truck and have more cost to me. Also my kids will lose class day because I need the evidence that I buy the house to enroll them to the new school. 

In resume this situation have cost me more money, they change the closing cost and not even be responsible with the day of the closing and move it at they conveniens and not my as a client.

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 09/20/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The loan I currently have with UAS is not qualified for loan forgiveness. I am asking for loan forgiveness because the institution I took the loan out for was convicted of fraud and is no longer operating. UAS is not able to give me an exact reason as to why they are not willing to forgive my loan. Knowing that XXXX ripped off XXXX people. Why are federal loans being forgiven and not private ones?

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I rencently XXXX my dad last year and my mortgage provider XXXX XXXX refused to help me. They sent me to select portfoilo servicing in XXXX of this year. I opened a died in lieu in XXXX XXXX of this year and they have given me the run around i keep calling them and they keep telling me the investor on my case needs to sign off on it. they keep telling me to call back i just want to sign it over to them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: TransUnion and XXXX are showing that my past Mortgage with XXXX is showing 120 days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact XXXX and XXXX and TransUnion. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, TransUnion and XXXX needs to state that the past mortgage with XXXX has been paid 100 % and was never late. Also, fix and update the foreclosure warning.

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 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TrueAccord Corp. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a mailed notice from True Accord Corp. dated XX/XX/XXXX stating that owe {$3900.00} to XXXX and that this balance has been due since XX/XX/XXXX. I have no recollection of ever dealing with XXXX or purchasing any thing from XXXX. 
My account # at True Accord is XXXX. I suspect that this is a mistake or fraud. I first e-mailed True Accord XX/XX/XXXX to inform them that the debt is not mine, They responded on XXXX by e-mail restating the I have an outstanding balance of # XXXX and advised me to file this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Good Evening, Hi my name is XXXX XXXX, I leased apartment # XXXX through XX/XX/2015-XX/XX/2015 at XXXX XXXX in XXXX , Texas . I tried to apply at XXXX XXXX in XXXX XXXX, Texas and was informed that I had a broken lease from XXXX XXXX XXXX after investigating this what I found out. 


I gave a 30 day notice to XXXX XXXX XXXX XXXX/XXXX/2015 after I gave my notice I looked into a XXXX bed room unit at XXXX XXXX XXXX and gave them a {$150.00} transfer fee XX/XX/XXXX, before my move out date XXXX/XXXX/2015 I contacted XXXX and informed XXXX ( manager ) that I can not move into the XXXX bedroom XXXX ( manager ) then advised me ( XXXX ) that I would not get my {$150.00} back if I decided that I did n't want the apartment. I moved out of my apartment XXXX/XXXX/2015 as I was supposed to do. XXXX XXXX XXXX is now telling me that I have a broken lease because I did not give them a second 30 day notice. XXXX XXXX XXXX kept my money like they stated but then charged me {$550.00} for Insufficient Notice. I do n't see the reason to give another 30 day notice. There is no way that could work because based off that 1st 30 day notice you all could actually lease that XXXX bed room. I never filled out a lease or anything for that XXXX bed room. At this point I do n't think I was supposed to be charged XXXX for Insufficient Notice, because I strongly believe it 's not right, especially if I never signed any documents stating on that XXXX bed room. 

I contacted the collection agency and they refuse to get the issue resolved correctly. The collection agency stated the collection is valid even though I have evidence showing that it is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XXXX XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (ND).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I sent a check for full payment of my auto loan balance on numerous occasions and my bank,   XXXX    XXXX   XXXX  has paid the check and sent numerous copies of the checks, I have sen t to Ally Financial for payment of my auto loan balance. My account has n't been credited yet for full payment o f my balance.

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 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a Creditor Statement from XXXX XXXX XXXX XXXX XXXX XXXX a debt consolidation program regarding the checks/payments they paid on our behalf to our creditor Convergent Outsourcing Inc. in which the original Creditor is XXXX. This bill in the amount of XXXX dollars and XXXX cents ( {$460.00} ) has been paid in full. As per the Creditor Statement payments are as follows : Starting XXXX/XXXX/XXXX To XXXX/XXXX/XXXX XXXX dollar ( {$20.00} ) monthly payments a total of 14 consecutive payments. *On XXXX/XXXX/XXXX a XXXX dollars and XXXX cents ( {$110.00} ) payment was issued and this is the missing payment, *Check number XXXX. On XXXX/XXXX/XXXX a final payment of XXXX dollars and XXXX cents ( {$68.00} ) a total of XXXX dollars and XXXX cents ( {$460.00} ). During a conversation on XXXX/XXXX/XXXX with a representative of XXXX XXXX XXXX XXXX they stated that according to their records check No. XXXX in the amount of XXXX dollars and XXXX cents ( {$110.00} ) was issued and paid to CONVERGENT OUTSOURCING INC., and has been cashed by CONVERGENT OUTSOURCING INC., they told me that they will not be reissuing a second check to them in that amount since the check has already been cashed. Today XXXX/XXXX/XXXX I spoke to a supervisor at Convergent Outsourcing Inc. XXXX XXXX and she acknowledged that they received all payments from XXXX our credit consolidation company and that XXXX submitted the proof they required that payment of {$110.00} was in deed paid to them. They can not locate the payment themselves. There is no problem with XXXX because they have the proof that the payment was made to Convergent Outsourcing. Kindly help us to have our account with XXXX XXXX to be cleared once and for all. XXXX XXXX still has our account as unpaid and that we still owe them {$99.00}. as per XXXX XXXX, manager. 

on XXXX/XXXX/XXXX my wife handles all of the bills and she spoke with a representative at Convergent Outsourcing about all of this. That 's when they told her they did not receive the {$110.00} dollar payment. Although they did receive it and cashed the check. My wife does the majority of the phone calling and handling of the bills in our house. Its a small amount of money to be going back and forth over. It is totally ridiculous. I and my wife spoke to them over the phone together today XXXX/XXXX/XXXX to see if we could get this resolved to no avail. They are unwilling to credit my XXXX XXXX account and make the correction. XXXX XXXX at XXXX XXXX claimed he could not help us because he turned the account over to Convergent Outsourcing and Convergent Outsourcing is saying they cancelled the account and returned it to XXXX XXXX unpaid. This is ridiculous. We are in the middle of this confusion with no where to turn. Please help! 
Convergent Outsourcing Inc . 
XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation