milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Trouble during payment process

Complaint: On XXXX/XXXX/XXXX I entered into a loan modification with my mortgage company ; XXXX XXXX XXXX XXXX. ( Please see attached loan modification agreement from XXXX XXXX XXXX XXXX ). Since entering in this loan modification agreement I have been paying my mortgage on time every month to the present date. My current interest rate is very high compared to today 's interest rates. Prior to entering into a loan modification with XXXX XXXX XXXX I my mortgage at that time was an FHA 30 Year Fixed Mortgage ( Please see attached Mortgage Note ). I believe in XXXX my mortgage was sold to Bayview Mortgage Servicing ( Please see attached mortgage escrow statement for customer service tel number and other important information ). In XXXX XXXX I was contacted by XXXX XXXX a loan Officer with XXXX XXXX XXXX XXXXXXXX XXXX, in regards to refinancing my current mortgage which would reduce my current interest rate of 6.5 % to 4.5 % thus saving me thousands of dollars in interest. Durring My refinance my loan officer XXXX XXXX informed me that my current FHA mortgage was switched Illegally to a Conventional Mortgage by either XXXX XXXX XXXX or Bayview loan servicing. I contacted XXXX XXXX servicing and Bayview loan servicing several times to find out who Illegally switched my mortgage from an FHA mortgage to a Conventional mortgage, and neither XXXX loan servicing or Bayview loan servicing will give me any answers. They continue to tell me that they will look into the matter and get back to me a cdouple days later. It has been months now, and I have still yet to receive an answer from either mortgage company. These mortgage companies are stopping me from refinancing my FHA mortgage so I can save money and that is ILLEGAL! If this matter is not resolved as soon as possible my next action is to seek legal council and take the appropriate legal action to settle this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with WELLS FARGO & COMPANY (MI).
Issue: Payoff process

Complaint: I have a jewelry account that is held through Wells Fargo. I have XXXX promotional balances that are currently active. XXXX is equal payments with a fixed interest rate of 9.9 % and XXXX are interest free if paid within so many months ( interest rate if not paid is 28.24 % ). I paid additional payments that I wanted to apply to the no interest balances so that they would be paid off within the promotional period. Wells Fargo applied the additional payment to the balance with the lower fixed interest rate. I called them and they refused to re-allocate the payment. This will make it impossible to pay the balances that expire within the next 10 months unless I pay XXXX payments of over {$700.00} the last 2 months prior to the promotion expiration.

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 10/25/2017 about Debt collection (Other debt) with Williams & Fudge, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection on my credit report from Williams & Fudge. I paid the school directly and I called the collection agency to get this out of my credit report and I have n't seen this remove. I have called them and left a message and sent them emails about this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (MO).
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: US Bank is submitting a report to the credit bureaus that my account is under investigation. I have never disputed this account. During a call onXX/XX/XXXX, XXXX, US Bank employee # XXXX, refuses to provide me with account information on my account regarding what is being submitted and reported to the credit bureaus. 

As of XXXX, my balance is {$0.00}. I have not filed any dispute regarding this account. Still, on XX/XX/XXXX, balance reported by US Bank for period ending XXXX is {$54.00} with a comment that the account is under investigation. 

I want this investigation ceased immediately by both US Bank and XXXX. Both state the other company is disputing the account or originated the dispute.

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 09/16/2016 about Consumer Loan (Vehicle lease) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX Capital One auto finance illegally took a payment out of my bank account.The payment was scheduled for Fri XX/XX/2016.And the agent put in the date for XX/XX/2016. It has caused all of my bills to bounce and my account is overdrawn.I have spoken to XXXX the account resolution specialists.And they want me to fill out a refund form and fax it back and do all of these things that we are not responsible for.The agent did pull the call and did verify that we did indeed request the payment to be scheduled for XX/XX/XXXX. and not XX/XX/XXXX. They are having a hard time putting the money back into the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I suffered XXXX XXXX ang a XXXX XXXX and several other health issues. Became delinquent on our mortgage payments. Took about two years and a lot of effort but a mortgage modification was offered. We paid the three trial payments as stated in the modification contract. 3 payments of {$2100.00}. All stipulations in the trial modification period have been satisfied on our part. Modification was accepted by both parties. Paperwork signed, notarized and sent. Contract states as of XXXX/XXXX/2016 all documents are automatically modified. Made payments on XXXX/XXXX/16 {$2100.00} for XXXX & on XXXX/XXXX/16 # XXXX for XX/XX/XXXX. received bill stating I owe for XX/XX/XXXX still. Without permission used payment for escrow and part on XX/XX/XXXX? Turns out they say my payments needed to be {$2700.00}! Have talked to XXXX+ loan mod. reps but not answers, no return calls! They refuse to apply my payment where it belongs and never adjusted my interest rate! It is 5.25 when it is supposed to be 3.25 according to contract be XXXX/XXXX/16! Now they want {$2700.00} for XXXX! They violated the modification contract in several ways and refuse to abide by the modifications!!

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 01/20/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: bank of America issue me debit card with number, I was paying my bills with it, I got my wallet stolen at the lake, I call the bank an was issue a new card an anew number, XXXX came into my account on my first debit card number an took out XXXX which I did not owe that amount an I do not have a direct deposit with XXXX, how did the bank allow this on my new card number, i call a lawyer an he said that 's agood question I got some of my money back but XXXX took out a another month in a advanced payment an change my programming pkg, now I pay more for less tv, an XXXX told me on phone if I did n't give them the new code number on my debit card they would cut my service off, so I had to borrow money to get me thu till next payday, iam very upset with this bank an XXXX, i will be switching banks, merchants has more rights than me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Chase has refused to provide documentation showing they had rights to service or collect on my home loan. I have requested copies of the Limited Power of Attorney given by the Federal Deposit Insurance Corporation giving them receivership rights to service my loan from Washington Mutual Bank as they have previously stated..

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Servicer once approved me for Loan modification and forward information over the phone on XXXX/XXXX/2016 spoke with both XXXX XXXX XXXX @ Freedom Mortgage. Few days letter, XXXX who is the point of contact told me that loan has been denied because my investor did not approve for modification. On XXXX/XXXX/2016 I received very brief mail from Freedom mortgage regarding my modification has been denied due to Insufficient Income. They are telling homeowner different answer to denied them for modification. Homeowner is XXXX Veteran currently receiving VA XXXX & VA XXXX. When we spoke with them, we requested what income underwriter used for modification review but point of contact is not able to provide the information to us at all. They sent denial letter dated XXXX/XXXX/2016 does not stated any detail information on NPV inputs and ask Homeowner to appeal the process in 14 days in writing but did not provide me where to send appeal in writing. This mortgage has been transferred from XXXX XXXX to Freedom during my modification is being review. I am XXXX Veteran and this is VA loan. I would like to keep my property.

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 07/20/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX XXXX, as the supposed duly appointed Trustee for Deed of Trust recorded XXXX/XXXX/XXXX in Book XXXX, Page XXXX of the Official Records in the office of the County Recorder of XXXX County, is trying to foreclose based upon loan modification documents that were forged by Wachovia/Wells Fargo Bank whose primary objective has been to force all XXXX Pick-a-Payment loan borrowers into foreclosure since at least XX/XX/XXXX. 

The XXXX County Recorder 's office has no records of any transfers or re-assignments of either the original Beneficiary or Trustee. The Beneficiary that is still in place is XXXX XXXX XXXX. The Trustee still in place is XXXX XXXX XXXX XXXX XXXX XXXX, a California Corporation. 

I have checked with XXXX, XXXX XXXX and XXXX Servicer ID for the current ownership of the loan being foreclosed upon. XXXX and XXXX XXXX both deny ownership via their online verification system. XXXX ServicerID also has no record of this loan onn it 's online database. 

XXXX XXXX XXXX and Wells Fargo will not produce documents verifying the current legal Beneficiary or Trustee when requested. XXXX XXXX XXXX will not respond at all, other than to send multiple copies of the Notice of Trustee Sale with an updated sale date.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Thank you CFPB for assisting me in resolving this matter. To again summarize there is an account showing on my personal credit report from XXXX/XXXX for {$1500.00}. The unverified account from XXXX/XXXX showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt- which illegal and outside the statue of limitations to collect on. I had previously disputed this account. I have never done business with XXXX/XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX/XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX/XXXXCease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Currently the credit bureau is reporting a XXXX account as an authorize user. I did not request this nor authorize this. Please delete this account from my credit profile. I contacted the credit bureaus and was told it takes 30 days. This account is not mine and again and did not authorize. delete

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 Fidelity National Information Services, Inc. (FNIS) (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a fraudulent account showing on my Chexsystems report with XXXX bank. This account was opened fraudulently in my name. I have attempted to contact Chexsystems on the number that I found on their website and have not been able to get a hold of anybody to resolve this matter. I have filed a police report and I am trying to get it to Chexsystems and have been unsucesssful.

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 09-10-2017 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XX/XX/XXXX I My home was valued at {$550000.00}. I applied w WellsFargo for a ReverseMortgage. I went through counseling and completed all documents I thought I had a line of credit on my home balance {$290000.00}. When the loan processed and final docs showed line of credit I asked where was the money I was told we were n't eligible for any money/line of credit. I asked where was the line of credit accrued and used they said that was just a control number that I did n't have any equity credit. I have repeatedly asked to speak to legal XXXX for an explanation. DISCOVERY came recently when I tried to Refi my reverse mortgage and three lenders asked me how I got a reverse with " that much equity '' and no line of credit or cash out. I also did not know I was n't given final money disclosure doc until " a lender '' looked at my WF docs and I did n't know specific info. Now I recently went forward to again attempt to Refi and 30 days after WF notified me my ReverseM was being transferred to another lender. 
PROBLEM if reverse mortgages can not be granted unless ( as a lender explained to me recently ) the home owner benefits from RM how did WellsFargo write me a RM on an appraised {$540000.00} house w balance {$230000.00} but I did not get any financial benefits. We were ages XXXX/XXXX.

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 Mortgage (Conventional home mortgage) with PLAZA HOME MORTGAGE, INC. (HI).
Issue: Trouble during payment process

Complaint: I was not notified of the servicing transfer of my loan per CPFB requirements. The CPFB Bulletin   XXXX    Compliance Bulletin and Policy Guidance : Mortgage Servicing Transfers clearly says " the transferor servicer shall provide the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. '' A postmark does not equal a borrower being notified. Receipt of the letter is notification.      Plaza Home  Mortgage closes at  XXXX  my time and I received the letter Friday so  XX/XX/XXXX  I was not able to get any further information on the transfer before today,  XX/XX/XXXX  Note that leaves me 6 days to get a payment to someone. I 'm glad I was n't traveling for work or on vacation because  Plaza Home Mortgage turned off my auto payment. I would ha ve missed a payment.      I called Plaza Home Mortgage this morning to figure  out what is going on and   XXXX   claimed the requirement is the postmark not the customer receiving. She told me, " the post office says it wil l take 7-10 days and we  ca n't account for that. ''  So Plaza Home Mortgage is knowingly giving customers as little as 5 days notice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Using a debit or ATM card

Complaint: My Bank of America card has XXXX fraudulent charges. My bank told me that I need to file a police report to continue their investigation to get the charges reversed on my account. I was told that you would subpoena the footage from the ATMs where my card was charged. There are XXXX different transactions. 

XXXX XXXX XXXX {$480.00} at the XXXX ATM # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX Those XXXX transactions was not me. It could not have been me because on XXXX XXXX at XXXX I was at my college, XXXX. And on XXXX XXXX at XXXX I was at work. 

I filed a claim first and it was denied by bank of america, then I filed a police report and my claim was denied again. Now I am filing a complaint here.

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 10/31/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I have been trying to communicate with Wells Fargo and do not seem to be getting any clear answers as to why they are showing up and reporting derogatory information about me on my XXXX XXXX XXXX report. I am well aware that XXXX was started by big banks, for big banks, and is funded by big banks, but FCRA rules do apply. This is my 2nd request for them to proove the account belongs to me by providing me something with my signautre on it or delete it. 

I do n't know why I must spend so many countless hours trying to correct this companies mistake, this is causing me a lot of stress. Since I can not get an answer from Wells Fargo maybe XXXX can investigate and show that it conducted a proper investigation. Show me anything with my signature on it. This information that has been reported to XXXX simply does not belong to me and ins 100 % inaccurate. 

I am a XXXX citizen per attached. This specific mark is preventing me from obtaining in home care that I need after my car XXXX. 

Please do not call and communicate only by way of the CFPB portal or mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I re-applied for my XXXX plan this year. After being denied ( because I applied " too early '' despite being prompted to re-apply ) then accepted after applying again ( after another 2 months of waiting for a response ) I was given my new calculated monthly payment of {$520.00} that was due to begin on XX/XX/XXXX. I changed my direct deposit amount accordingly and have made payments since then. 
Now, my monthly payment ( starting in XX/XX/XXXX ) has inexplicably dropped to {$110.00}. While I would love to be paying less for my loans, it was odd to me that this changed in the middle of the payment year. 
I called XXXX in XX/XX/XXXX to discuss this issue once I inadvertently discovered it. They were unable to explain why this happened, except to tell me that I have been overpaying my account. Obviously I am confused by this answer because I have been paying the exact amount they told me to pay. This amounts to consumer fraud given that they either over calculated my payment or are now attempting to trick me into paying less now in order to gain more interest in the future. 
In addition, I have concerns regarding the tracking of the PSLF program. I have only 14 months of qualifying payments recorded in my account, despite 36 months of enrollment and payments. I also called XXXX to discuss this. They informed me that 9 months were not added in by mistake despite an application and payments on file. XXXX informed me they would submit this for review and I would receive an answer in 60 days. There is no form or letter in my account to verify that this review is in fact occurring. Finally, they told me that 2 months in XXXX ( XXXX and XXXX I believe ) I am listed as being in deferment/forbearance. I have a record of payments for those months and I never submitted paperwork requesting that status or was informed of it. They refuse to count those 2 months of payments towards my PSLF. If you 're keeping track, that still leaves 11 months of payments not counted towards my PSLF despite FedLoans confirming they have paperwork on file. The only explanation I received was that they were " behind '' in tracking.

Company response to consumer: Closed with explanation