milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (IL).
Issue: Struggling to pay mortgage

Complaint: in 2016 i went thru a hardship i am single parent. i asked penny mac to do a loan modifaction.The under writer was XXXX XXXX, i had two jobs at that time to try to get caught up on things. i had everything i needed to get it done ..She forgot to add it XXXX XXXX XXXX paystibs all together!!! and with out that i did not qualify, so i said wello its your mistake, redo the file and add that income back in. XXXX XXXX from pennymac said no file was closed and new file would have to be open. This is my home! That was a huge mistake, she was rude and seemed as if i was bothering her. So i reopened another file. Working through XXXX.Faxed over all the paper work my dad and i thought penny mac needed, they asked my dad to co sighn even though he does not live here and they asked for a letter stating he does not contribute to the bills. XX/XX/XXXX we had a phone conference with penny mac, home start, and myself and XXXX XXXX from from penny mac states he does not have paper work.In the mean time i called XXXX XXXX my point of contact at penny mac and offered to make a large payment XXXX $ to get caught up on payments, i received part of an inheritence and explaned i am also expexting a large settlment soon from auto accident and will be able to get caught up. He said no!!!! Are you kidding me? i really feel like penny mac is jerking me around and trying ton forclose on my home because now i am so far behind and they keep adding these attorny fees. i reaally feel i nmeed help here.my dad is willing to co sign we fax over paper work to them this is ridiculous,

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Alliance Data Card Services (MN).
Issue: Fraud or scam

Complaint: I had a Paypal Account that was attached to my XXXX credit card for services. <P/>I paid for XXXX charitable donations in XX/XX/XXXX. XXXX of these went to my XXXX credit card as directed. The second donation went to Paypal Credit/ XXXX XXXX XXXX, which I do not have as I never applied or requested this. <P/>Paypal Credit opened a credit account without my permission. There was an Enforcement Action with you for this problem in XXXX. <P/>I tried to pay this amount off with Paypal as I do not use credit. In XXXX when I called I was told they could not pay this amount off unless I gave them identity information such as social security number, DOB and other identifying information in addition to my credit card number. I refused to give my SS number and birth date so they refused to let me pay off the account that was to have been paid in XX/XX/XXXX/XX/XX/XXXXwith my XXXX. <P/>Since then they continue to charge me large fees, I send a check but it is never paid off as the amount continues to increase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2018 about Debt collection (I do not know) with Penn Credit Corporation (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get numerous phone calls from this phone number and it is for someone else ... They have the wrong number. It is a robo-call, so I can never speak to anyone to correct the error. They call every day at least once. The name on the caller ID says it is PENN Credit Corp. I do n't have any outstanding debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Medical) with Phoenix Financial Services LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This a collection notice for medical for a work comp accident. This is an illegal collection attempt under the work comp laws of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to sell my home in a short sale with SLS. I have hired a listing agent as well as an attorney to facilitate this. I was informed that we have a solid offer on the property and it was sent to SLS for review and approval. Despite SLS confirming that they have all of the requested documents, they are not acting in good faith and continuing with the sale date. I have complied with absolutely every request and I can not understand why they are refusing to help me. I am in poor health and am trying to avoid the embarrassment of an auction. Please help me to sell this home in a short sale so I can leave with some dignity.

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 05-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with BlueChip Financial (WA).
Issue: Problem when making payments

Complaint: I got a loan via an online website with Spot loan back in I believe   XXXX  . I made my payments regularly until I changed jobs and I fell behind. I fell behind one payment and the company debited my account despite me reaching out and telling them I did n't have funds to cover. The debit was sent back because I had no overdraft on my account. They continued to debit my account several times. Eventually my bank closed my account because of it. I tried to talk to bank and tried to talk to  Spot loan. Eventually spot loan decided to start sending me nasty emails calling me a " thief '' and telling me " You s tole my money ''. Very odd from a business. I ceased contact after the emails became abusive and it was clear I was n't getting anywhere.     I recently got a call from someone who called themselves an attorney stating " I have a client who says you stopped payment on their loan and effectively stole their money, my job is to recover the loan - fees - my fees and costs ''. I explained all noted above and he stated he was n't taking the case. I now get calls up to 5 times a day from this person claiming to be an attorney. I am being threatened to be taken to jail, told I am to pay thousands back, they are interfering with my new job. Etc.     This company 's tactics were abusive from day one of a missed payment and have continued since. This is not professional, nor legal. I wish to request my rights in this be upheld.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a phone call from Seterus mortgage/debt collection company inquiring about my monthly mortgage payment. The payment was not made on the XXXX but instead on the day they called which was the XXXX. I inquired as to why they were calling within the 15 day grace period and that I have never missed or been late on a mortgage payment. They said they will call until they receive the payment unless it is made on the XXXX irregardless if the payment is made within the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (FHA mortgage) with MB FINANCIAL, INC. (NY).
Issue: Struggling to pay mortgage

Complaint: Back in XXXX of 2017 I was denied XXXX XXXX XXXXXXXX so lost 6 weeks of pay. MB Financial said I could modify my mortgage to a 30 year mortgage. No one returns my calls. I have left over 5 messages since X/XX/17 including another one today X/XX/17. I work in the financial industry & it should only take 30 days at most to modify a mortgage. I am getting the run around & continue to rack up fees because they do n't call me back nor have started the next steps to modify my mortgage. They give me fake phone numbers too. I have names & direct phone numbers in their loss mitigation department & either it rings and rings or numbers not in service. I do n't want to lose my home. I 've been a single XXXX mother for 17 years. No one calls me back or has started the mortgage modification process. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. XXXX XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; XXXX, Equifax and XXXX but I never heard any of you. I want my credit report updated and this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: A charge was placed to my Bank of America account which overdrafted the account. I was not notified of the negative account status, nor the fee that was then applied. I have called in multiple times for this exact issue, each time being told it was now fixed and I would be notified. I have a history of texts showing Bank of America notified my when my account is negative, but this time Bank of America refused to do so and charged me {$35.00} for it. I have never opted-in to overdraft protection, if anything, I have repeatedly requested to not allow my account to be overdrafted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Membership ends in XXXX XXXX, however, rewards cash is not available until XXXX of 2019. If I do not renew my XXXX membership I must forfeit my rewards cash earned. Due to the timing, this creates an Unfair practice ( and potential deceptive, due to the placement of the disclosure ). Material harm is that I am not able to access reward dollars I have earned.

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 05/23/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  COMNWLTH FIN does no t have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Debt collection (I do not know) with CU Recovery, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Approximately XXXX or 5 months ago, I received a call from CU Recovery Inc and they tried tricking me to reset statute of limitations. I advised them that I did not recall this debt because it was from on or about XXXX. I advised them verbally to cease and desist all future contact with me by phone calls to myself, friends, family and employer and as well postal mail. I made it clear that I consider it harassment and it will not be tolerated. They acknowledged my request and we mutually hung up the phone. About a few weeks to a month later, they called me again! I advised them that it is harassment and I do not want to speak to them again, that time I hung up the phone in anger. Well today I received a letter of collection dated XXXX XXXX, XXXX. The letter states I have XXXX payment options. I have attached a picture of the debt letter they sent me. It 's in reference to account # XXXX in the amount of {$7200.00}. I do not know where this amount came from and the letter does not illustrate DOFD ( date of first default ) and there are no other identifying information illustrated on the letter. I feel as if I 'm being taken advantage of, or that I might be becoming a victim of some sort to CU Recovery Inc. From the initial phone call from over the summer of XXXX, I advised them per the FDCPA that in other cases of case law, courts have allowed a verbal cease order to stand and that is what I advised CU Recovery Inc . They have ignored said request and they need to be stopped. If they are taking the law into their own hands for me, then what are they doing to other consumers? Please help me, I do not appreciate being harassed. Thank you CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have contacted Equ ifax MULTIPLE  times regarding addresses that do not belong on my credit report.   Incorrect Addresses :  XXXX   XXXX   XXXX ,  XXXX  MN  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MN  XXXX  I have received multiple confirmation that these address have been deleted from my credit report yet they are still there.   Confirmation  XXXX  completed  XXXX / XXXX / 2017  - results items were deleted. Items still on my credit report so I filed another dispute  XXXX / XXXX / 2017  completed  XXXX / XXXX / 2017  however a results was never populated I called  XXXX / XXXX /   2017   XXXX  told me this has not been done, she created another dispute  XXXX  to have the addresses removed. WHY are these addresses not actually being removed but you continue to send me information these have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX offered me a payment plan but continues to report my gold card late. I have been paying XXXX dollars per month, but XXXX has not reported this agreement on my credit report.

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 01/20/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AE).
Issue: Loan modification,collection,foreclosure

Complaint: CFPB, I am a US service member currently located in XXXX. I lived in XXXX XXXX till 2009 and XXXX to XXXX, XXXX XXXX, a XXXX in XXXX, back to XXXX, and I currently reside in XXXX since that time. During this time I have attempted to first attempt a home modification with Wells Fargo and was rejected. I then tried a short sale with Wells Fargo, had a buyer and then was rejected. I currently rent the home out for XXXX but am making payments of XXXX. I always wanted to keep this home that 's why I first wanted a home modification. I spoke to them about the Home not being an investment property and the modifications to the SCRA in regards to homes for military home members but that went on deaf ears.

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 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have made several attempt s to get AFNI to verif y this debt through  XXXX . They continue to send me a copy of a final bill from  XXXX  disregarding any of the other information I requested per my right to get validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have submitted a dispute and the issue was resolved then later placed back on my credit report incorrectly. They also are reporting old debts that are past the 7 year limitation. That have been purchased by a collection agency. But original dates have been changed making it look like current debt. Equifax has done this multiple times cause my credit score to suffer

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Trident Asset Management has bought an old account and re-aged it. They are now trying to collect on this time-barred account. They continue to harass me, yet refuse to send validation of the original date of this debt from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have had smooth sailing paying my XXXX mortgages with Wells Fargo for 14 years. I have a lot of equity. My wife and I lost XXXX family members in a tragedy unspeakable. My wife, a XXXX for 22 years had to resign with grief and health issues. Wells Fargo has mistakenly paid my property taxes several times changing my payment and apologizing by letter but still hurt me. I have been paying over the payment for 7 years!!! They then want to restructure but then add insurance etc I do n't need and it drags for months as they switch from person to person. I documented 36 calls in 3 months. Then out of the blue a foreclosure comes to my door???? I make my payment every month and they claim I am behind months? they cash my checks but do n't apply? WE are taking this nationally how we have been treated during our horrid nightmare. I need help with this so bad I cant take this XXXX every day. 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 non-monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Transunion has had a glitc h ( or  XXXX  ), involving credit inquiries being removed from credit reports. I was affected by this glitch. I called Transunio n, they denied I was part of this. They asked me to send proof from  XXXX   XXXX , which I did. I included a  XXXX  page fax ( which cost me {$20.00 } ), and  called a few days later for a status update. They advised me that the glitch was from   XXXX   XXXX  , not the m ( w hich is incorrect ). It is illegal for them to remove information and re add it without the consumers knowledge ( which they d id ).  I call and get the run around, conflicting information and no solution.

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 06-04-2017 about Debt collection (Medical debt) with AR Resources, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have  four  hits on my credit report from AR Resources. I have a Payment plan. I have paid them over {$340.00} since last  XXXX . I do n't understand why they put it on my credit report. That sucks. It 's the only thing on my credit report as of now. I do n't believe this should be on my credit report. it 's a total of about {$200.00}. I have kept my end of the agreement. Please remove from the credit report. If I actually do owe you money, please call me and I will take care of the " so called '' money owed. Seriously, AR Resources. My credit would be excellent if it was n't for AR not taking the hits off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I opened a checking account at Bank of America and elected to not have overdraft protection. About XXXX months later they covered a debit card overdraft for less than XXXX dollars and charged me XXXX dollars. I contacted them by telephone and explained the situation, they reimbursed my account and I was satisfied. Then XXXX months ago they hit me again for XXXX overdrafts.This time when I called them I got the " POLICY '' run around and they refused to reimburse me. Can an institution violate terms of a contract by declaring a " POLICY ''?

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 08-06-2015 about Debt collection (I do not know) with Webcollex, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A woman by the name of " XXXX '' has been contacting me repeatedly throughout the day starting at XXXX-XXXX, as well as my family members and even my new employer ( a 3rd party which she discovered online ) which has NEVER been released to her or any other debt collector. She has been seeking info from my family as well as co-workers, requesting my information/location, verifying where I am working, how she can find me, and even has my co-workers relaying messages to me in order to call her back.. She has also been telling my co-workers that I do n't answer my phone or reply to voice messages which makes me look bad to my employer and puts my job in GREAT jeopardy. One of the numbers she has been calling from is XXXX. IT NEEDS TO STOP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed