milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2016 about Debt collection (Auto) with WELLS FARGO & COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm getting numerous threats from Wells Fargo dealer svc improper credit reporting they call XXXX times day from XXXX XXXX XXXX XXXX this want stop I sent them over {$2000.00} they have sent XXXX wreckers they have left business cards in my mail box like detective cards with out stamp they have tried too cut lock on the gate with no tress passing sign they will not stop there wanting {$2000.00} more how 's that impossible late fees collection fees I have asked them too cease and decease they want they have made threats there going too have wrecker driver attack me wow I ran them off filed with attorney general office 5 times they call my wife threaten her at work they called me last night XXXX XXXX said they call when they dam good and ready I turned that phone number over too ag office I asked them too stop reportIing inaccurate reporting on my credit bearu XXXX days late what it shows I have not hade it XXXX days I hade too hire credit repair too help me I want this too stop thanks and threats

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 12/13/2016 about Bank account or service ((CD) Certificate of deposit) with STATE FARM BANK, FSB (TX).
Issue: Making/receiving payments, sending money

Complaint: I would like to add to my complaint ( case number XXXX } about State Farm Bank. In all the confusion about switching from electronic deposits of interest from cd accounts to paper checks they have not sent 2 of my deposits that were due XX/XX/2016 and XX/XX/2016 in any form, paper or electronic.After many calls to them and getting excuses like someone keyed in the wrong dates and now the checks are in the mail NOTHING has gotten here.If the shoe was on the other foot, I would be getting a late fee which I can not give them.I want the 2 deposits NOW.They have said that they will go back to electronic deposits in XXXX That will be a big help.They should have never breached our contracts in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX and Trans Union are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian continues to allow XXXX XXXX and XXXX Bank/XXXX to report incorrect information on my credit report. I filed for Chapter XXXX Bk on XXXX XXXX, XXXX. I was then and continue to be under a XXXX. I am in a wage-earner plan and have made all payment. This company continues to report incorrect information, in addition to violate the XXXX XXXX XXXX. For example they recently reported my BK as XXXX XXXX, not so, XXXX XXXX and balances all incorrectly. I provided this information to Experian and Experian continues to allow this creditor to do so. At the time of my BK filing I was never late nor behind in payments. Under the XXXX XXXX the creditors are to report the balance XXXX and payment XXXX unless they are received payment by way of the court trustee

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 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My ex-wife was ordered by the Florida courts to pay the XXXX XXXX XXXX mortgage and to remove my name from it, she did not do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Refinanced our home mortgage with XXXX XXXX XXXX. Closed on this on XXXX/XXXX/16. Closing agents sent payments to Citizens Bank to close the XXXX loans on XXXX/XXXX/16. The payoff amounts sent to Citizens were actually higher than the amounts owed on the loans. In excess of {$1400.00} on XXXX loan and {$220.00} on the other loan. This excess was not deposited into our existing Citizens Bank checking account. I called our local Citizens Bank branch office today and XXXX told me that they have the money, they will not put it into my checking account. They will issue XXXX checks to me on XXXX/XXXX/16 because it takes 10 days to process this. Seems extremely unethical banking practice.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from PORTFOLIO RC. I had previously disputed this account. I have never done business with PORTFOLIO RC 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 PORTFOLIO RC 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 PORTFOLIO RC Cease 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 05/23/2017 about Debt collection (I do not know) with Focus Holding Company (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls all times and leave messages to call back for a debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Consumer Loan (Installment loan) with PRESTIGE FINANCIAL SERVICES INC (AZ).
Issue: Problems when you are unable to pay

Complaint: after speaking with Prestige financial regarding my inability to pay they assisted with a deferment for XX/XX/XXXX and XX/XX/XXXX due to job loss acct is currently 17 days late I contacted the company to advise of employment at XXXX XXXX - which is employer previously on file due to lay offs and that first pay would be XXXX/XXXX/XXXX in which is not a 30 day delinquency. Payment are due the XXXX of every month. I was threatened by repossession by XXXX XXXX who has been the acct manager of the acct for the last 2 years. account has been opened and in good standing since XX/XX/XXXX w/o any negative reported delinquencies. I have always made more than the monthly due which is XXXX monthly and was never advised of late fees needing to be paid immediately however I was quoted a XXXX balance and was threatened that if amount was not remitted including fees I was be repossessed. This was a surprise because prior to XX/XX/XXXX and XX/XX/XXXX deferment I was paying 400 monthly and was never advised of the fees nor given the option to execute pay down of late balance- He utilized the late fee balance as a tactic to put fear in me. I 've spoken with XXXX each month a payment was made and Never was I advised. correspondence was by phone -initiated by me and email- considering I was on a cease and desist. due to prior harassment calls prior to my due date. I was yelled at and disconnected on by XXXX XXXX when trying to create a resolution and promise to pay. I called back and spoke with customer service - this all happened on XXXX XXXX XXXX who escalated my call to a VP I left a voicemail advising of the situation and provided and account number and a brief description of my call and as of now its been 7 days and no follow up from Prestige Financial. In the recording I made it clear to immediately change my account manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (FL).
Issue: Settlement process and costs

Complaint: Buyer and seller entered into a contract to purchase real property in a common residential agreement. There was a mortgage contingency and the buyer chose TD bank to obtain a mortgage. Contractually, the closing date was to be XX/XX/2016. TD BANK issued a clear to close on XX/XX/2016. Sellers moved out and went under contract to purchase another home based on the contingency being removed. Closing was still delayed until XX/XX/XXXX because of various issues, but both parties had signed ALL required paperwork on XX/XX/2016, both the buyer and TD bank wired funds to the closing agent. However, TD BANK REFUSED T FUND THE LOAN BECAUSE OF " underwriting '' concerns. It is now 3 days later, funding has not yet been authorized, and the parties are not being told why, if it will get resolved, or when. TD BANK IS HOLDING at least XXXX families hostage and are not communicating at all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Mortgage (Other mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX transfered my service after I finally got a fee removed that was waived in XXXX. It took nearly two years of arguing back and forth. Now Seterus has my loan staring XX/XX/XXXX. Once again they are not only recharging same fee but added house preservation fees. XXXX fees XXXX for XXXX and ond for XXXX. They have me as asking for modification which I did not. I have no access to my loan. They have hung up on me serveral times. XX/XX/XXXX I called and the automated line said it was temporarily closed? They say they removed my request for mod? I never said I was in a hardship. And my modification incentives are not found. All fees are for sMe date XX/XX/XXXX. I had a previos complaint with XXXX on tnis site for same issue. This fee is on my loan tax form as waived. I contacted XXXX and they said it should not be ghis fee was waived on there records when loan was transfered. Three years of ongoing problems. I think there trying to push me out of my modification.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Medical) with PDQ Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I took my ex-girlfriend 's XXXX son to XXXX XXXX XXXX, with the agreement that the mom would pay any fees incurred. The doctor 's office 's posted financial policy, that I agreed to, states only the custodial parent will be held responsible for any unpaid balances. In addition, the State of Georgia has a Parental Responsiblity Act reflecting a law which states only the custodial parent can be held responsible. XXXX XXXX XXXX says, since I filled out the medical forms, it is assumed that I am the parent, therefore have joint responsibility. Georgia laws and the merchants financial policy state otherwise. I have disputed this debt numerous times with XXXX and all they do is verify whether or not the doctor 's visit took place. That is not what I am disputing. I am disputing the legality of being held responsible for the unpaid debt and having it posted to my credit report by PDQ Services XXXX Inc. When I provided parental records, legal documents, financial policy, and copies of the laws to the credit reporting agency, creditor, and collection agency ; they refused to honor the documents. I have provided more than enough information to be exonerated from any financial responsibility and have had no solution from any party. XXXX will not honor the information I provided and referred me to get help from Bureau Consumer Financial Protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with Credit Karma, Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: there is a problum to the point i cant even get my information I think someone stole my credit information do to i live with a friend. We rent the house monthly pay utility 's, and I do not own a home, do not have any bank accounts, I have know credit cards with any stores or any credit card except a single debit card I get threw social security XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent me a bill. I paid them consecutively {$50.00} for 3x in a row and continued getting " last notice '', " your account will be sent to a collection agency ''. When I repeatedly called them, they said " that was not enough ''. The bill is now down to {$840.00}. I made 3 payments : 1 ) XXXX {$50.00} 2 ) XXXX {$50.00} 3 ) XXXX {$50.00} Somewhere after XXXX I received a final notice and my bill was sent to collections. It now sits with Transworld Systems Inc. for collection. I can never reach the hospital, they are ridiculous. I do n't believe I should have been sent to collections if I was making repeated payments, and on time!

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan is serviced by Ocwen Loan Servicing , LLC . I suffered water & mold damage, resulting in an insurance claim. Ocwen required me to mail the insurance check to Ocwen so that Ocwen could monitor the repairs and pay me. Ocwen requires an inspector to inspect the repairs before issuing payments. On XXXX XXXX and again on XXXX XXXX, 2015, Ocwen employees assured me that they ordered an inspection while I was on the telephone with the Ocwen employees. Today, XXXX XXXX, 2015, 9 days later, Ocwen informed me they " forgot '' to order the inspection. Ocwen is telling lies. Ocwen employees assured me an inspection had been ordered while I waited on the telephone with Ocwen employees. How could Ocwen have " forgotten '' to order the inspection when the Ocwen employees told me the inspection had been ordered while I was on the telephone with Ocwen? Ocwen is intentionally, purposely causing me severe emotional distress and damaging me. My contractor is threatening to quit. My tenants are threatening to sue me for breach of the lease. Ocwen refuses to pay, when the insurance proceeds are my insurance proceeds. I need immediate help. My contractor is threatening to quit. My tenants are threatening to sue. Ocwen now says it will be another 5-7 business days just to contact the inspector, then additional days to schedule the inspection. Meanwhile, Ocwen refuses to pay money which is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Leading Edge Solutions, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a complaint on   XXXX   XXXX  , 2017 in regards to Leading Edge Solutions submitting inaccurate information on my credit report. CFPB received a response from the company advising them that the complaint does not belong to them. As you see, I 've attached a copy of my credit report which you can clearly shows Leading Edge Solutions is reporting on all  XXXX  credit reporting agencies. Being that Leading Edge Solutions has stated complaint does not belong to them, the company should comply with my request to delete the information from my credit files. I appreciate your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 11/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Delinquent account

Complaint: I have contacted capital one bank several times since I found out they were reporting XXXX default debts that were paid in a settlement agreement. in the agreement when I finished paying the agreed amount they would remove the items from my report. they have not removed them and I keep getting the run around and they keep trying to say it was third party agency however capital one is the XXXX reporting it and they are the ones I paid. they are using deceitful practice to collect money and then not holding up to what they say they will do. after several phone calls to capital one I received a letter saying I need to talk with a third party agency they pay to collect money and make their agreements. As I explained on every phone call capital one is reporting it and they are the ones I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: XXXX XXXX, 2015, I made a {$25.00} donation to my XXXX support group using my Bank of America XXXX. I never received the bill and, admittedly, I forgot about it until XXXX my other credit cards was canceled because of the outstanding delinquency on XXXX XXXX, 2015 ( FIA Card Services ). When I bought my credit report from XXXX on XXXX XXXX, 2015, I found out about the unpaid bill and promptly contacted Bank of America by phone ( to find out the total outstanding charges, including finance charges and/or late fees ), and paid the bill online that same day ( payment cleared the bank XXXX XXXX, 2015 ). I also requested Bank of America send me a copy of the outstanding bill, which they did. When I received the copy a week later, it said the amount due was {$28.00} ( the amount of the payment I made ) ; the due date was XXXX XXXX, 2015. When I received an updated copy of my credit report from XXXX ( dated XXXX XXXX, 2015 ), I was stunned to see that, although my Bank of America account was now showing the status as " current, '' there was another outstanding bill for {$1.00}. For the second time, I had to call and request a copy of the bill by phone. I paid it XXXX XXXX, 2015 ( the due date on the bill is XXXX XXXX, 2015 ), but I 'm disputing the additional charges ( listed on the bill as " minimum interest charges '' ). I 'm also disturbed that I received no bills in the last 6 months, except when I phoned them to request duplicates. What 's wrong with this picture ...?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The pass XXXX years we have been dealing with the Lies we have been getting from Ocwen Loan Servicing, we Know are Bill of rights have been continually been violated! we have been sent a Loan Modifcation documents in the mail, and given instructions how to proceed with them .Then when we have filled out and faxed these loan doccuments as requested, Then when you are working whith them! Then Foreclosuer Action happen! So we never got a notice just at the the time we wher calling Ocwen tell us about sale date ,XX/XX/2015if you can please Help us? 
Thank you in advance, XXXX and XXXX XXXX XXXX, XXXXTo : Ocwen Loan ServicingFrom : XXXX and XXXX XXXXRe : Modification Loan Documents* * * * * * * * * * * * *Dear Sir or Madam : The attached documents are being sent via regular and certified mail to insure receipt of these vital documents. 
We feel our legal rights have continually been violated. We have been sent Loan Modification documents in the mail, and given instructions how to proceed with them. Then when we have filled out and faxed these loan documents as requested, and they are strangely not received. Then, while you are working with us to procure our modification, foreclosure action is being taken against us at the same time while in the middle of this loan modification process. This is highly unfair in reference to real estate law bill of rights. 
Please be assured that we would like to be given the opportunity to continue in the Modification process. We feel we can be successful in fulfilling a new loan contract. Please review our documents and allow XXXX days to complete without the threat of losing our home, according to the Stimulus Program that President Obama brought forward to save our home. 
Please give us your consideration, and we look forward to hearing from you as soon as possible since this is now time sensitive. 
Thank you in advance, XXXX and XXXX XXXXOriginal Sent Via CERTIFIED MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Good Afternoon, I sold my home on XXXX XXXX, 2016 and PHH Mortgage still had {$4700.00} in my escrow account. I checked my account online and it showed that all escrow funds were disbursed to borrower on XXXX XXXX. 3 weeks ago I called PHH to inform them that my disbursement check had not arrived yet. The representative stated that she would expedite mail me a new check. 2 days ago I called again to find out the status of my check and was told that they have not issued a new check yet and would expedite a new one. In the last 6 years living in Texas I have experienced only XXXX situations where mail got lost and in both cases it was mail from PHH with large value Escrow funds checks ( this occasion and when I sold another house about 3 years ago ). I find this to be an extremely implausible and unacceptable coincidence that should be compared with other consumer reports.

Company response to consumer: Closed with explanation