milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get a loan modification with AmeriHome Mortgage since the beginning of XX/XX/XXXX. I sent in my workout package on 1-2. I have made contact with them every week since then. 
On XX/XX/XXXX I was told that the Uniform Borrower 's Assistance form I sent needed to be the 5 page version, with signatures on different pages. This made no sense to me on several accounts. For one, my wife and I are married and file taxes together and our lives are joined in every way including financially. Why I would be asked to sign on a separate page is beyond me. Even stranger was the fact that I could not even find a UBAF with separate pages for signatures which was even more strange. I sent a 5-page UBAF with both our signatures in the full expectation that my file would move forward. I was again asked to send in a 5-page UBAF with separate signatures and I called back again on XX/XX/XXXX to tell them that I am not sending any more UBAFs because they can't seem to explain what UBAF I am even supposed to send in that would be acceptable let alone this nonsense with the signatures. On XX/XX/XXXX, I called in asked asked them to send me whatever UBAF they would accept. They send me the one attached named " FRAUD. '' The reason for this descriptive name is that the application has different dates along the bottom. Some say XX/XX/XXXX while others say XX/XX/XXXX. While it does have separate pages for the borrower and co-borrower, I can not in good conscience sign this form. The documents are clearly fraudulent and have been tampered with compared to the authentic application from the FHA website. I will not allow AmeriHome to coerce me into committing fraud, nor sign the fraudulent papers they have sent me. And if this the standard application they send to all of their clients, I am deeply concerned not only on this atrocity committed to me, but to all of AmeriHome 's clientele. What's worse is how they have spent a month now continuously rejecting an authentic FHA UBAF from XX/XX/XXXX ( also attached ). AmeriHome mortgage is refusing to accept genuine FHA paperwork for inane reasons while trying to coerce me and who knows how many other homeowners into signing their fraudulent alternatives and they should go out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I never made a payment to  XXXX   XXXX   XXXX . They are a  3rd  party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.

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 07/30/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2016, I deposited a third-party check into my checking account at Suntrust Bank and received cash back in the amount of {$350.00}. I countersigned the check. Myself and the individual whose name the check was originally made out to signed the check in the presence of a bank teller and also presented valid state-issued identification to the teller. At the time, my checking account balance was {$4.00}. On XXXX/XXXX/2016, I discovered that a 7-day hold had been placed on the check. This meant that I would not have access to the funds until XXXX/XXXX/2016. Had I been informed by the teller of this hold, I would not have deposited the check into my account. In addition to the hold, a maintenance fee of {$7.00}, which I have never paid during the entire time that I owned the account, was charged against my checking account. Because I had a beginning balance of {$4.00} and received cash back in the amount of {$350.00} at deposit of the {$4500.00} check, my account is presently at a negative of {$350.00}. 

Here is a breakdown of the transaction : {$4.00} ( beginning account balance ) - {$7.00} ( maintenance fee ) = $ XXXX $ XXXX ( negative balance following maintenance fee ) + {$350.00} ( cash back at deposit ) = $ XXXX As you can clearly see, I did nothing wrong in depositing a check into my checking account. The purpose of a personal checking account is avoiding fees associated with cashing a check where I do not bank. Suntrust Bank failed me on multiple levels including failure to disclose a maintenance fee. If it were not for the maintenance fee, my account would not have gone into negative status. As a result of the negative account balance, I will now incur a {$36.00} fee from the bank.

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 09/29/2015 about Debt collection (Payday loan) with Solidus Group LLC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The XXXX turned my debt over to Clear Credit Services who have a guy named XXXX XXXX calling me and My employer, demanding to speak with the XXXX. He has repeatedly discussed that I owe money and that they are serving me in XXXX hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the XXXX. 
I have many recordings of his statements.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I opened 4 accounts for my children ( XXXX ) with XXXX XXXX which sold to Wachovia which then sold to Wellsfargo. Somewhere along the way, Wellsfargo lost the account. I have requested information over and over again and Wellsfargo can not find this one account. They have located 3 of the 4 accounts. I went to the branch in XXXX XXXX and was told the information was not in their records. How can a bank lost an account. It 's not about the money ( A little over {$200.00} ). It  's about principle and trust. I was told to go and see if I could find the account, then they would be able to assist. This is terrible. The account was last access in XXXX 2006 while I was in XXXX XXXX, South Carolina when my son was in boot camp

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 07/13/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: received collection notice from Dynamic Recovery Solutions XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX - Collector Thursday, XX/XX/XXXX - initial call XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I have received follow up calls every week day since, even though in the original call I told them I would call back myself when I had any new information for them. I am being harassed and want it to stop immediately.

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 01-05-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account is not mines. i have filed paperwork with he AG of Florida and filed dispute with company. company did not contact me prior to adding this account to my report. 


XXXX Account number XXXX Recent balance {$3700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 

XXXX FL XXXX XXXX, FL XXXX XXXX Address identification number XXXX Original creditor XXXX - XXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$3600.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual

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 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is reporting a collection account to XXXX that is not my account. The account is for someone unrelated to me but has the same last name. I have been trying for years to get them to remove it without any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/30/2015 about Credit card () with TD BANK US HOLDING COMPANY (PA).
Issue: Delinquent account

Complaint: My issue is that my Target Red Card account was put into collections and closed after I sent a check to pay off my account in full and on time on XX/XX/XXXX. This was sent through the US mail and should have been processed in Target Red Card 's payment facility soon thereafter. In the time leading up to my account being closed and put into collections, I thought that my account was paid off. It seems that either the check did n't make it to them or was processed incorrectly. I received NO phone calls and NO collection notices. If I had realized it was n't paid off, I would have made it right immediately but there was no due diligence in my opinion to inform me as the consumer at all. You will see that as soon as I became aware of the balance I paid in full on XX/XX/XXXX. I provide this not to justify why the account was unpaid, but rather to show that it was not an issue with not being able to pay or managing my credit. This looks to be an error at the post-office or at their payment facility but they refuse to hear me out and only respond with form letters that clearly do n't even speak to the issue. I hope that Target Card is willing to work with me on erasing this mark from my credit reports and reopening my account that has been in good standing since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have received a letter of collection from Caine and Weiner, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, on behalf of XXXX XXXX, pursuant to their account number XXXX, in the amount of {$190.00}. This apprarently pertains to a cruise that I took in XX/XX/XXXX, with the XXXX XXXX ship, reference XXXX. At the end of the cruise on XX/XX/XXXX, my XXXX credit card was charged some {$540.00}, which was the full amount owing for my trip. I was dissatisfied with various aspects of the cruise in question and requested a refund of {$50.00} of the money paid to XXXX XXXX in the sum of {$540.00}. XXXX denied a refund and I initiated a request to have XXXX adjudicate my request, which was done pursuant to Federal Law. XXXX determined that my request was correct and they refunded the amount in question to me. I assume that they removed that same amount from the accounts of XXXX, but I have no factual basis for that view. Nevertheless, I did not acquire a refund from XXXX and I paid their bill in full at the time they rendered it to me. Please note that at the time I paid XXXX for this cruise, I was a resident of California.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a address for : XXXX XXXX XXXX, MI XXXX However this address does not belong to me or have I ever lived there. This is a home to my father and mother and my father and I have the same name, but i have no ties to this property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: I have repeatedly contacted Wells Fargo regarding how they process mortgage payments. Each time they receive a payment their system automatically charges a full months interest - irrespective of the number of days elapsed since the last payment. In many instances, I have made payments more frequently than required under the mortgage. In some cases with fewer than XXXX weeks between payments. With each payment be charged a full month 's interest, the end result is that I have been charged the equivalent of XXXX months ' worth of interest in XXXX month. 

While I suspect that this is an unintentional systems design error, Wells Fargo refuses to correct the situation. Their most recent letter dated XXXX XXXX, XXXX indicates that this is their standard practice and in accordance with the terms of my mortgage note, which they attached. In reality it is both unfair and resulting in my account being charged substantially more interest than is required under the mortgage note. 

In addition to my own experience, I am sure there are other borrowers who have made similar frequent payments and unknowingly been charged more interest. In fact, Wells Fargo 's own mortgage website encourages borrowers to make twice monthly payments or exceptional XXXX time payments to reduce interest charges. In reality, the end result is that Wells Fargo will actually charge more interest rather than less. 

Aside from my direct contact with the XXXX XXXX and XXXX XXXX which has resulted in no change to this unfair practice, I have also emailed both Wells Fargo 's Investor Relations team and XXXX XXXX XXXX. I have not received a response to either of these emails.

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 06/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: On XXXX/XXXX/16 I went to XXXX XXXX to purchase an ink cartridge. I used my credit card and XXXX XXXX billed me {$76.00} cents. Approximately 30 minutes later I returned the item, the same day, because my husband has a XXXX XXXX card and we decided to use it. XXXX XXXX gave me a refund receipt showing the item returned and monies refunded to the card. Capital One, the owner of the credit card I initially used sent me a bill in XXXX 2016, stating I was billed a second time by XXXX XXXX and must pay {$76.00}. I told them I did not purchase the item with their card a second time and that I will be contacting XXXX XXXX. I went back to XXXX XXXX and they were able to run the Capital One card and saw that they did not charge me a second time for the ink cartridge. They gave me duplicate receipts of the purchase and return/refund on XXXX/XXXX/16 and I sent copies to Capital One to show as proof that I never purchased the item a second time and that it was returned and the card was refunded. Capital One sent me a letter stating that the receipts were not enough and they are still going to charge me and the case is closed. They continue to bill my account this erroneous charge and fail to show any proof of a second charge from their end. At least XXXX XXXX was able to run the card and see that they did not charge a second time. I have sent letters to Capital One including their corporate headquarters and they refuse to remove the charge from my statement. I am a simple XXXX employee and {$76.00} means a lot to me and I can not afford to pay for something that I did not purchase and they refuse to do anything to remove the charge, even though XXXX XXXX insist they did not charge my card and I could see from their report they did not. Thank you for your assistance in this matter. Kind regards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: It was last XXXX ( 2015 ) that I applied for the XXXX American Express and fulfilled all the requirements ( spending requirements ) to obtain the XXXX bonus point offer. However, XXXX placed my account into financial review shortly after meeting the spend requirements and ultimately declared that they will be shutting my account and seizing all the points. 

Fast forward a year, I reapplied and was shortly subjected again to a financial review. I sent all my documents in via fax ( which I did last time ) only to learn that they never got it. So I sent it in by slow mail and they finally obtain my tax return to grant me account opening. When I received the card, I sent a chat conversation through XXXX site to inquire if I will qualify for the XXXX bonus offer and was told by the representative that I will receive the bonus, only if I meet the spend. 

However, today, when I have met the spend and the statement will close on the XXXX of XXXX, I once again asked via chat the representative if I will get my bonus. I was surprised to hear that I will not because upon digging into my account, the representative told me that I have had the bonus and per the terms, I will not receive it if I held the card in the past. Yes even though I did held the card in the past, I never received my bonus points. On top of that, the first conversation the agent confirmed I will indeed receive my points. So with this inconsistency, I want to file my complain as I believe its not fair for XXXX to seize points and claim that I have received the points/card when I never got the point and to have representative state false information. 

I was also told that all my chat logs are kept on the server so I would have them cross check on this but I am confident that the first agent told me I would get the bonus if I meet the spend ( which I did ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is about SETERUS Mortgage Servicing Company based at XXXX XXXX XXXX XXXX, XXXX, and XXXX, OR XXXX. 
They took over my mortgage servicing in XXXX 2015, before I even got an invitation/introductory letter informing me about that they already served me with a bill demanding payment, while my old servicing company collected payment already from my account ( which was eventually returned ). 
And from then on it 's never ending harassment. I am bombarded with letters asking for all kinds of building insurances/policies, things I have never been asked for during 27 years I have been living here and owning the coop. Letters treating to buy insurance FOR THE BUILDING ON MY BEHALF! 
On one occasion they suggested that if insurance policies are not received they will buy some {$8000.00} property insurance and I will be charged for that PREMIUM. Another letter was sent to me stating that I will be charged premium of {$1400.00} for some other insurance policy. It 's just never ending game. 
I have called multiple times and explained that I have in all 27 years none of the banks or previous mortgage servicing companies asked me for any insurance policies. 
I have given SETERUS building management telephone number, fax number and Managers name so they can obtain all and any insurance policies they need, but they never contacted them. 
I had building management call SETERUS asking what it that they exactly need is, but STERUS refused to talk to them and said that they will not discuss it with third party. That THIRD PARTY owns this property/ residential building and that third party has insurance brokers that handle all insurance policies, but they would not talk to them. Every few weeks I would get another letter asking for another insurance policy, or stating that that policy expired and they will charge me for the one they will buy on my behalf. 
They had a nerve to charge me with {$1400.00} escrow balance added to my mortgage statement! 
Only when I called asking what 's that for and why they did it, they stated that it was just removed! 
They basically do whatever they want and play with my mortgage. 
I am appalled by it and can not believe this is permissible. 
Please note that I do own personal insurance of the coop, what they asking is BUILDING related insurance policies. 
Kindly please look into it. 
Thank youXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Medical) with Kross, Lieberman & Stone, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid by XXXX XXXX ( primary ) and XXXX ( XXXX ) when billed. Then payment was retracted because I went on XXXX during this period and advised the doctors office of the change, but they failed to make changes in their records that my primary insurance switched to XXXX and XXXX was XXXX. The doctors office submitted the claims after XXXX year of the dated service and the insurance companies refused payment. This was the doctors office fault, not mine. they sold the account to KLS collection agency. 
When I informed Kross, Liebrman and Stone that I refuse to pay a debt that was over three years old according to NC general statute about debts not collectable they viciously set out to ruin my credit and cause me great financial greef because they new I was right and this was there way getting even with me.

Company response to consumer: Closed with explanation