milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Mortgage (Other type of mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: Hello Caliber home loan managers, I am writing to request your assistance in escalating, appealing, and review of a shortsale application that is before XXXX XXXX, representative, on the Res.Net. portal.
I have been working over six months to get to a point where there can be an amicable resolution, but I frankly believe that the offers and the willingness to resolve the matter are being acted upon in good faith.
The borrower is deceased and the executor to the property, XXXX XXXX, is attempting to complete the shortsale. The mortgage is in foreclosure at this time with motions and cross-motions pending before the court.
The original mortgage was about $ 305k,  however, with the arrears, the total payoff is now $ XXXX. I have submitted a top offer of $ XXXX to the rep. who declined that offer today and demanded the XXXX payoff. That is NOT how shortsales work. The shortsale buyer is not an investor, but an end buyer who will reside in the property. Prior getting to this point, XXXX XXXX, not knowing what the payoff amount was and having no idea of the location of where the property was situated demanded $ XXXX after a BPO was done. I disputed that value and submitted repair comps. The investor then approved a demand for $ XXXX.
However, when I pointed out to XXXX that this demand is higher than the payoff, he then followed up with a request for the total payoff amount. I explained that the buyer is making an offer of over 70 % of the arrears and is an end buyer who can not qualify for more funding. The buyer is the Executor who wants to keep the property within the family so that she, her brother 's kids, and sister can live there.
At this point, I am frustrated with the responses and the process that I believe to be deceptive. XXXX has been very closed off in providing information and generally not explaining why the counter demands remain unreasonably high.
I urge you to step in and assist me in this process as soon as possible. Specifically, I would like XXXX XXXX XXXX to be taken off the review of the file. Another party needs to and should be assigned.
Thank you.
NOTE : The Executor, XXXX XXXX, is an retired veteran, served in the XXXX XXXX She currently is employed as a correction officer.
-- -- -- -- -- -- - RES.NET INFORMATION FOR SHORTSALE Master Client : Caliber Home Loans Client : Caliber Home Loans Subject Property : XXXX XXXX XXXX, XXXX, NY XXXX Property ID : XXXX  Due Date Assigned Date Task XX/XX/XXXX XX/XX/XXXX Submit Short Sale Request* *This task requests a document required for sale to be completed and you must log in to complete this task.
XX/XX/XXXX XX/XX/XXXX MLS XX/XX/XXXX XX/XX/XXXX Property Assessment Task XX/XX/XXXXXX/XX/XXXX Homeowner Financials* *This task requests a document required for sale to be completed and you must log in to complete this task.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I contacted BofA call center on XX/XX/XXXX at XXXX XXXX MST. I spoke with XXXX first, XXXX second, and XXXX third. I explained I did not understand why a $ XXXX monthly maintenance fee was incurred from XX/XX/XXXX through XX/XX/XXXX because I have my employer directly deposit {$150.00} semi-monthly ( totaling {$300.00} per month ) which should satisfy the requirement of having at least one qualified direct deposit of {$250.00} ; I have two direct deposits that total more than $ XXXX monthly. XXXX stated the qualifying direct deposit means one direct deposit into the account has to be {$250.00} versus my understanding of the total direct deposit received during statement cycle and per company initiating the deposit has to be {$250.00}. I stated I wanted to keep my account and could update my direct deposit to have {$250.00} per check versus {$300.00} per month but would like my fees back because there was no fine print or indication online stating a qualifying direct deposit is per direct deposit ; otherwise I would not have reduced my direct deposit amount in XX/XX/XXXX from {$650.00} per check to {$150.00} per check. She refunded the XX/XX/XXXX fee. Upon asking why more could not be done considering my 18 year relationship, my willingness to update my direct deposit amounts immediately, and the wording of " one qualifying direct deposit of at least {$250.00} '' being misleading and deceptive, they stated only the one fee is refunded because the account did not met the requirement and the same resolution would be the same regardless of who I spoke with. The employees of BofA did not understand BofA was indeed receiving {$250.00} in direct deposits into my account by way of semi-monthly credits. Minus me not understanding what was meant by " at least one qualifying direct deposit of {$250.00} '' and no fine print or explanation to understand BofA intended meaning, I was directly depositing {$300.00} per month from the same source.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is the name of the company. I sold my house and closed escrow on XX/XX/XXXX. XXXX reported me late as far asXX/XX/XXXX after escrow closed. I was late once at most, not even 30 days late, and they counted it as 2 rolling lates which looks like 4 lates. They have ignored my pleas, calls, letters, and emails. Their company is changing in XXXX to the name XXXX XXXX mortgage and they do n't seem to care. I keep getting the run around, transferred, told to email, then mail, they promised action in 3-5 days, before that 7 business days.I was given an email address that was dead. No responses whatsoever. No response, no letter, no action. I am desperate as I am a XXXX XXXXXXXX trying to get a good home loan out of state. This derogatory information is making it very difficult. I thank you in advance for helping me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Me and my husband had this Wells Fargo credit card in 2002. Myhusband made his payments on the card until he loss his job. Theyoffered us an settlement offer of 4 payments. I made all of mypayments on time. The very last payment I made was on time, butthey did n't process it until the next day. So the customer servicerep. to me I was late on my payment, so they was n't going to honorthe offer. I told them I made my payment on time. He said, '' Well we did n't get it on time, so your late and the payment offeris no longer good. '' I also tried to get the information from my bankto use but it has been more than 7 years the bank do n't have theinformation. I do n't owe them anything at all. I made my payments asagreed and they did n't keep there arrangement. The balance is XXXX. 
They put it on my credit as if I never made a payment and so forth. 
Now they have XXXX XXXX XXXX reporting there information. Thisdebt is more than 13 years old. They still manage to sell info to XXXXto resubmit it on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Debt collection (Medical debt) with Receivable Solutions, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a Validation letter to XXXX XXXX on XXXX XXXX, 2017, to Verify that this debt is my debit. I waited 30 days to see if they would send a response to my letter. I waited 30 days and they still have n't replied to my request. I have attached proof that they received the letter I sent to them certified. I have attached the proof that they received my letter as well as a copy of the letter that sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: In attempting to clear up my credit, I sent several letters to Equifax about Chapter  XXXX  bankruptcy that is on my report. I asked that they send communication about verifiable proof of the following :  *the n ame of the courthouse *the person 's name they verified the dispute with  *the address *the telephone  number *the documentation used to verify the dispute According to FCRA, Sect ion 609 a ( 2 ) I  can request to see what they used as proof to verify the bankruptcy and FCRA, Sec . 611 par ( 6 ) ( B ) ( iii ) a   description of the procedure used to determine the accuracy and completeness of the information of a letter sent to Equifax on  XXXX . They sent letter back asking for identification and I sent that on  XXXX  ; however they did not send what I requested  Method of Verification  for Chapter  XXXX  bankruptcy. I sent another letter on   XXXX   stating that I sent the identification and that I wanted my request answered. Again they sent letter asking for identification again. How many times can you give them identification? This time I told them I would report them to the FTC and their website led me to you. As of today which is  XXXX  I have not received my answers to the aforementioned request.   Since there is NO LAW that the bankruptcy remain on your report for 10 years ; at least I have not seen one than it should be removed. if you can find that law please send it to me. The other two credit bureaus removed the bankruptcy and evidently Equifax refuses to provide the information I am requesting. With that being said the bankruptcy needs to be removed since it was  discharged  and I have not received the answers to my request. I believe they are stalling because they do not have that information. Hopefully you can intervene and find out why they  will  not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OR).
Issue: Application, originator, mortgage broker

Complaint: We were charged for a XXXX subordination fee for a home refinance that did not happen. we were not told of the fee we could not refinance because of citimorgages subordination denial, they refuse to refund or credit back the fee. XXXX XXXX XXXX also charges us a fee but it was only XXXX and not XXXX and XXXX XXXX XXXX refunded the fee because the loan was not refinanced. we paid over XXXX dollars towns the refinance on top of their fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with CITIBANK, N.A. (PR).
Issue: Payoff process

Complaint: On XXXX/XXXX/2015 I had sent a payment by the approximate amount the account balance for {$780.00} with check number XXXX for Citi to be credited to the card ending in XXXX. Still today the date of payment it has not been proven despite efforts multiples me customer service and its research department of payments. I sent the evidence of the canceled by fax and mail check. They tell me that they are still investigating. They still me charged interest and minimum payments

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birth-date, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: a XXXX from NY keeps calling my cell phone, i am at work so can not answer, this morning I was able to slip away from my desk to answer. He said he is calling in reference to XXXX XXXX my adult son ) and needs to contact him, I told him I would give XXXX the message, that I am at work and he does n't have a phone, he kept interrupting saying he needed to talk to him, I kept telling him not to call this number that it is my private cell phone, and not to call it again, ( I was getting upset ) I asked how he got it and he said XXXX must have given it to him - I asked my son and he said he has never given my cell phone to anyone. I again told him not to call this number again, he said he will call it again so I hung up, he was very rude. this is not my debt, my son is a legal adult ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 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: Public record information inaccurate

Complaint: On XX/XX/XXXX, I first filed a dispute with Experian regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/2017 that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you

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 10-10-2016 about Debt collection (I do not know) with American Credit Resolution, Incorporated (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Voice mail left using pseudo legal terms to imply that they are taking legal action. ( image of voice mail transcript attached. ) Also claiming to send a " courier '' to my place of employment clearly as a threat to cause embarrassment. 

The left the voice mail on my cellular phone without having permission to contact me via cell. 

I called them back and they refused to provide any information regarding this " debt. ''

Company response to consumer: Closed
Consumer complaint received 06-10-2015 about Student loan (Non-federal student loan) with Student Loan Finance Corporation (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Student Loan Finance Corporation placed my student loan out of deferment illegally and unlawfully, and without sending me any notification. My student loan is not suppose to be out of deferment and I should not have a past due amount because my student loan account should be in deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Bank account or service ((CD) Certificate of deposit) with BB&T CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: Redeemed cd at BB & T bank, XXXX XXXX, PA. They were unable to give me either a check or cash. Had to open a checking acct to have access to my funds. Did not want a checking acct. fortunately was able to close out that acct the next day at another branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a voice message from a person calling herself XXXX XXXX stating that she was from a collection agency and she needed to speak to me. When I called back, the same day, she stated that I had an outstanding balance and she had been trying to contact me. She was very aggressive on the call, she raised her voice and over me for the majority of the phone call, she refused to send me anything in the mail ( stating that I was not in a position to tell her how to do her job ), and she stated that she tried to leave me voicemails but could not because my inbox was full, which is completely untrue. The phone call was so upsetting that I was shaking at the end of it. I had no idea what debt she was speaking about as I assumed that I had completed payment of my son 's medical bills in XXXX of 2014. I was able to speak the debtor, XXXX and found that there was XXXX unpaid bill and XXXX duplicate charge. At this time I have no choice but to work with XXXX XXXX because I do not have any documentation from Wakefield and Associates stating what I supposedly owe. I am also not inclined to call them and repeat the same type of aggressive situation again. It is my understanding the the collection agency must send documentation and they must not intimidate. I feel that Wakefield and Associates, specifically XXXX XXXX, are in violation of these regulations. I believe a recording of this conversation was recorded because there was a message at the beginning of my call that stated all calls are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is the last time I write about Transunion, next communication will be in the form of a court summons for violating my writes under the FCRA. I just received a letter of a supposed investigation that tells me no steps they took to investigate and no proof. Send me irrefutable proof in 30 days or I will see you in court.

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 11/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit card protection / Debt protection

Complaint: I filed a dispute against Bank of America Credit Card unit because I took my car into a repair shop and they did not fix it and then they tried to change me additional fees to fix the original problem. I sent several documents to Bank of America by fax and they said they did not receive them and the deadline for my dispute was expired. I filed a compliant with your organization and keep in mind the car repair shop issued a letter stating they did not repair the part of the vehicle that I originally requested repaired. Bank of America has put a negative comment of my credit profile in retaliation to the fact that I reported them to your organization. I recently ran my credit and it said the I filed a dispute of resolution. I have a right to contact you and request a fair and appropriate resolution and it is illegal for them to retaliate with the goal of destroying my credit score. I pay all of my bills on time every month.

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 03/15/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WV).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to get a loan modification from Well 's Fargo Home Mortgage for the last 6-8 months. They put us on a {$600.00} a month payment until a decision was made. For the last 5 months I have not been able to speak to our specialist. I have left numerous message on their phones and no one will return our calls and they keep changing who handles our load modification. On XXXX/XXXX/16 we received a letter from Well 's Fargo stating our loan modification had been denied because there are title issues with our property. We again tried to contact on XXXX/XXXX/16. My husband stayed on hold for 20 minutes, then they disconnected him. I called right back, was told by the woman that answered she could not tell me what the issues were. I stayed on hold for 30 minutes while she tried to connect me with a home specialist. After 30 minutes she came back on the phone and said a supervisor would have to call me. I asked when and she said in 24 hours, I made sure she had the right contact number. Well 's Fargo always say they will call back in 24 hour and never do. I am afraid they are going to try and foreclose on us.

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 12-06-2015 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My social security card and permit were stolen. I had filed the police report with a lack of support. This year someone has been trying to open cards and cell phone services using my information. I do not know what other steps I should take.

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 06-05-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: If I take out a XXXX loan. I get charged a 6 % or so interest on the loan. The money is taken from my own XXXX account -- my own money, not the banks. I lose all interest on those funds. So basically, the XXXX service provider, is lending me back my own money, taking XXXX risk, taking a 6 % profit, and denying me capital appreciation on those XXXX funds. Effectively they are lending me my own money and raping me on charges. That is outrageous.

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