milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Every 5 years the city re-analyzes the real estate value of the houses, which changes the real estate taxes owed. The taxes on our house ( XXXX XXXX XXXX ) went up significantly and thus the escrow account had a negative balance. On XXXX XXXX, 2016 my husband and I went into the Wells Fargo office and expressed concern that the mortgage had yet to be re-analyzed and requested that this be done. By this time we had paid off the negative balance in the escrow account but knew that the mortgage would change due to having to meet this higher real estate tax. They informed me that a mass re-analysis occurs in XX/XX/XXXX, and that the account was already scheduled to have that happen. I told them that I was n't sure how much the mortgage would be or how behind the escrow was because it had n't been analyzed yet, but that it was very important to us that it happen sooner rather than later. We currently have XXXX mortgages with Wells Fargo, XXXX mortgage has been re-analyzed twice since the new real estate tax once in XXXX and then again in XXXX. It is now XXXX XXXX, 2016 and when I go to Well Fargo online and check the escrow account it reflects no change to my monthly mortgage payment, I have been checking daily since XXXX XXXX, 2016 when the mass re-analysis was to occur. The website now indicates that a reanalysis would be done XX/XX/2016. I was promised that the account was scheduled to be analyzed. While I do n't agree with the practice of re-analyzing an account and not updating the consumer in writing regarding their new mortgage payment with potential options to mitigate that change, I am even more dismayed that Wells Fargo has simply put off doing an analysis, even with an explicit request from my husband and I. Every month that the mortgage is n't re-analyzed, the amount that needs to go into the escrow account becomes more behind, and the payment has to increase more to compensate. Waiting this far into the year causes the consumer undue hardship, our mortgage could increase by as much as {$400.00}, if Wells Fargo had done the mass re-analysis on XXXX XXXX the mortgage potentially only would have increased by {$200.00}. Every month that they fail to perform a re-analysis on the mortgage our payment increases by an additional {$50.00}. I am attaching a screen shot of the escrow account as it appears in my online account as of today XXXX/XXXX/2016 at XXXX EST.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: nterestingly enough, Experian is incorrectly reporting XXXX of my student loans with having late payments in their history. Experian has reported that I was 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX XXXX and 120 late XXXX XXXX. This is simply not possible since these loans were in forbearance at the time Experian claims that they were late. Repayment was not due to begin until XXXX ; since no payment was due until after Experian claims I was late, the Experian report must be corrected by removing these late notations for student loan with date opened XXXX/XXXX/XXXX and disbursed by the Department of Education on XXXX XXXX, XXXX. Attached is the Experian page report showing I disputed this and Experian claims they verified it and did not change it. Also attached is the document from XXXX showing all my loans were due XXXX so there is no way this can be late. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I continue to receive calls from this lender unknown identity. By nature of  Fair Debt C ollection s Act t hey are to identify who they are and provide full name and reason for the call. I do NOT answer these unknown calls but block and report them to the  Nat Do  Not Call registry and  Block t hem. I spoke to  XXXX  alleged Manager in Collections who did not offer to reverse the fees. They press for advanced payment even though I offered to make a post dated. Finally when I asked for a manager he agreed.

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 01-08-2018 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OK).
Issue: Trouble during payment process

Complaint: Late on one payment XX/XX/XXXX made up payment XX/XX/XXXX made extra payment XX/XX/XXXX 7 years after being 2weeks late on one payment now said we owe 4,000 plus on late fees stating we are late every month, not one time 150 plus faxes with proof we never missed payment. It was late once, have copies of money orders they split up to unapplied funds for 2 months. In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXput it were they put payments unapplied. Putting my account behined, I 've never spoke to same person, 7 years of this stress. Ca n't handle anymore now they are raising our mortgage again. Filed for modification 3 times, each time denied. Was told by last case manager that we would be stupid to open up this can of worms, that is what I Was told. Then sends me paperwork of payments and says you 're wrong. Case closed even though the extra payments were there they still deny. They messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (I do not know) with ERC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received an alert from my XXXX account saying to check my credit monitoring. I noticed that Enhanced Recovery Collections was reporting to XXXX some sort of Collections account. I do not have any accounts with this Debt Collector and do not know why they have put this information on my Consumer Report. I need to know why this was put onto the Consumer Report without prior consent from the Consumer. I am an older American who  does not know why this is normal practice with the Credit reporting agencies please stop this criminal behavior. I wish this would cease and desist pursuant to 15USC1692 c c. This crime of identity theft has been visited by the President who says that there is a travel ban on invasion of the American peoples information. Please show me the employer identification number for Enhanced Recovery and also I need to see the employer identification number for XXXX and also all of the identifications for whomever had this derogatory information placed on the Consumer Report. I have got to figure out who provided all of my personal non private information for all of the public to see. It has to be known who and what and why it has been provided. This obscene and profane language has got to stop. It is a crime pursuant to 18USC242 I must have the right to defend myself before anything is placed on my Consumer Report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Bank account or service (Checking account) with ZIONS BANCORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: Two transactions were posted after the service was cancelled. I filed a dispute with my bank, but the denied my dispute, stating that they will not be credited because they were unauthorized transactions. This caused {$70.00} NSF fees as well as several {$5.00} daily overdraft fees.

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 monetary relief
Consumer complaint received 07-08-2015 about Debt collection (Federal student loan) with EOS Holdings, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have repeatedly called my work phone -- over XXXX times in a single afternoon. I am at work and need to focus on working, not answering their calls. They would call my cell phone, then my work phone, then my cell phone again, etc. This is utterly distracting and I will call them back when I am not in a work setting -- which is completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: NCA never mailed me anything is writing of collecting my debt. I sent them payments and never recieved a reciept.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Sent first certified letter XX/XX/XXXX explanation of a formal dispute requesting inaccurate information on my credit report showing that I was late 30 days or more late on my car payments in XX/XX/XXXX, XX/XX/XXXX. West lake financial received first certified letter on XX/XX/XXXX, they failed to provide me  with any requesting documentation that I was late on my payments, however after 30 days time frame nor did they acknowledge my dispute my placing a remark on my credit report in disputing this matter. 
I again, followed up with the second certified letter 31 days after sending the first letter, and yet again they failed to acknowledge any of my correspondence about this late payments, requesting documentation. I patiently waited until the 30 day expiration date and they failed to acknowledge my certified letters once again. 

Third attempt, was also unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Equinox Financial Management Solutions, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX customer since 1977 for business and home ... called for service to business account ... was told business sector had been sold..we do not do that anymore ... .cancelled service which we paid quarterly ... .approx 6 mos later XXXX collection agencies contacted us to collect for services. We refused to pay what we did not owe. The XXXX people are rude uncooperative and unprofessional ... ..read the internet reviews..this is almost like a predatory blackmail to keep your credit good.

Company response to consumer: Closed
Consumer complaint received 12/22/2017 about Debt collection (Other debt) with Advanced Collection Bureau, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I complaint is regarding this collection agency that is reporting a collection account on my credit report of a fraudulent balance. If they are going to purchase debt then they should be sure that is valid debt. I received a notice from this debt collection agency starting around XXXX regarding an owed balance. When contacting the agency regarding the discrepancy of balance, I was pretty much advised that I would need to establish a payment plan in order for contact to the original debtor to validate the debt could be done. I declined as I did not owe the reported balance. Validation of debt was being requested as the original debtor sent me a letter to advise of security deposit withheld and other fees. I responded back as Florida landlord 's must attempt to minimize their damages in which this company did minimize damages as they collected rent om my old unit from new tenants for XXXX XXXX. The management company / lawyer sent me an adjusted balance as the current balance being reported included a rent fee for XXXX XXXX and I was no longer responsible as management can not collect double rent on the same unit for the same month. I have disputed this balance with original debtor who advised that my debt no longer belongs to them and they refer me to the collection agency. I have disputed the balance with credit bureau to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX XXXX I received a letter from my then mortgage company XXXX XXXX XXXX saying as XX/XX/XXXX they will no lnoger be my mortgage servicer that they had sold it in XX/XX/XXXX to Carrington Mortgage Services and as of XX/XX/XXXX all payments should be sent to them. I still have not received a letter or any type of communication from Carrington to let me know they have aquired my mortgage. When I call them the representative told me it could 60 days or longer before we even get assigned a account number and receive any sort of communication from them. The Representative further stated that Carrington had purchased XXXX mortgages from XXXX in this transaction and that the previous month they had purchased XXXX from XXXX and that they where over whelmed and backed up on the transfer of all these mortgages. Carrington is in violation of the law for not even sending me a letter to inform me they had aquired the mortgage and it is well appereant that they can not handle such large purchases of XXXX mortgages in 2 months. The law very clearly states that when mortgages are sold from servicer to another it must not be in anyw ay a burden or problem for the consumer. It is not my fault or problem if Carrington has purchased more mortgages then can possibly handle in any good way for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Funding is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with XXXX Bank, went into default in XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or Midland Funding LLC. 
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, XXXX Bank is off credit completely as the legal timeline limit has come and gone. Midland Funding LLC is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction Midland Funding LLC for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX/XXXX/2017, I received an email message from Best Buy stating that I made a purchase that I did not make. About 5 minutes later I received an email stating the order was canceled. I called Best Buy and the order was correctly cancelled, but obviously my account was compromised. I change the password to the account and they canceled the card and are sending me a new one.  However, I was encouraged to still file a report and to also report to law enforcement.

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 12-07-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a fraudulent account. Ive never done an business with XXXX XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with PORTFOLIO RECOVERY ASSOCIATES several times to no avail. PORTFOLIO RECOVERY ASSOCIATES refuses to provide me with the documentation Ive demanded them to provide me with, PORTFOLIO RECOVERY ASSOCIATES, refuse to remove this account out of my name and off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my new Experian report dated XX/XX/XXXX, I have an inquiry on my credit report from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, CT XXXX, and dated XX/XX/XXXX that I do not remember seeing on a report before. To the best of my knowledge, I have never done any business with XXXX XXXX XXXX at any point ever.

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 09/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved by my current mortgage company for a home modification. I accepted the offer and began to arrange my payment amount and monthly budget. I went to my mortgage company 's website and found an option that allows a payment plan that would automatically deduct payments from my checking account. I signed up and the payments began to be deducted automatically. After multiple payments were applied to my account the next few payments changed, not by myself and to this day I do not who changed the amount and why. I called my mortgage company to ask questions, a few payments were reversed from being suspended and applied to my account. This changed caused the wrong amount to be deducted from my checking account in turn resulted in the delay of payments. I received a letter from my mortgage company stating that the trial payment plan is no longer accepted due to lack of payment amount. If the amount of the payments were not changed the correct amount would have been deducted. I am requesting help in this matter. I do not want to be forced out of my home. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A mortgage that was terminated by a Deed-In-Lieu agreement with the credit union is being reported by Experian as a foreclosure. Additionally Experian is reporting that the deed was not received by the creditor until XXXX 2014 when in fact it was received in XXXX. Separately on the same report, Experian is reporting my home address as a commercial address adding a fraud warning about this. Several attempts have been made to have the information be reported correctly, including sending Experian a copy of the Deed-In-Lieu, however Experian refuses to remove the incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: This loan was open at Wells Fargo Bank without my consent and my signature and i did n't approved or apply for this loan, and Wells Fargo is saying that i open this loan and that the loan was been paid by me from my acct.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, XXXX and Trans Union asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my 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 12/29/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: On XXXX XXXX, 2015 I filed a Identity Theft report with my local police department via instructions XXXX Complaint # XXXX. I have sent this information to Equifax XXXX, and XXXX XXXX. With a confirmation delivery Receipt on XXXX XXXX, 2015 Equifax has not blocked this damaging information. I filled a complaint with the XXXX also because this matter is urgent! XXXX XXXX XXXX of Equifax has investigated this matter as a dispute and determined that the account belonging to me. I have spoke with local authorities that said this investigation is still on going. I have been a victim of ID Theft and I should not be held responsible for a debt that I have not agreed to pay! Equifax continues to report inaccurate information which I am sure they are aware of the violations that they are committing by doing so.

Company response to consumer: Closed with explanation