milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Multiple mistakes within escrow, now 2nd time to have to contribute to escrow in 4 years. The first time they refunded an overage, oops they refunded too much so they increased my mortgage payment. I paid that off and then the following year insurance issues mistakes occurred. I started to pay XXXX extra a month on my mortgage and they once again told me that my escrow would be short and I had to pay that into escrow. They canceled my homeowners insurance and paid my flood instead. They did this twice and then sent flood check to wrong office so more time past on insurance policy so I was stuck with getting less refund. My homeowners insurance went up XXXX bucks last year, about XXXX this year. Instead of letting me pay that total ... they do a projection and the projection shows in XXXX 2016 I will be negative. It doesnt matter that I have enough escrow now and would pay that before XXXX 2016 instead they want XXXX payments of escrow by XXXX XXXX, a bit over 30 days notice and if I dont I must pay XXXX more on my mortgage for a year. NO other payment plan accepted. My taxes didnt go up, they went down, only my insurance went up a bit and they wont let me pay that approx XXXX but want XXXX payments of escrow when Im not even in the negative yet!!! This bank has been consistently toying with my escrow. Just after this problem they send me in the mail a personal letter for a personal special to take out a loan. 
I have a direct line to the supervisor, Son ( his name ) and have talked with him on several occasions and he is very nice and polite and explained all this to me ... there is nothing I can do as this is their rules. 
I think they manipulate your finances for profit and that just isnt fair. I have my checking and savings with this bank, they see my finances and are constantly hounding me for business. 
I think this bank is walking a fine line of aggressive business versus appearance of criminal financial manipulation. 
How they can punish me with my escrow still in good standing, based on a projection that has not occurred yet is not right any way you look at it. I should have the opportunity to put just the amount in to avoid that projection and if not then they should add it to the mortgage but not at this point demand XXXX payments of escrow on a situation that has not occurred yet. 
Furthermore, the mistakes that has been made in my escrow in regards to refunding too much, then docking me for it, canceling my insurance and paying another kind, sending insurance payments to the wrong insurance office, all of which I as the customer discovered NOT Wells Fargo, is not acceptable and consideration should be given to what that has caused me in stress, trust and worry. 
I have checking, savings, car loan and mortgage with Wells Fargo and this is how they treat 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 06-04-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a home in XXXX. According to the debt forgiveness act sign into law by president Obama that home which was foreclosed on in XXXX should not have been attempting to collect let alone claim delinquency on credit since XXXX and or show an open balance. I spoke to a bank of america representative and was assured that it was their mistake that the property showed that it was foreclosed and sold and that they would correct their mistake and remove everything from my credit report within 30 days. 30 days passed and bank of america continues to claim default on the loan stopping me from buying a new home. I took Hours out of a days to attempt to call and resolve this again and again and i keep getting the run around. I was told by bofa customer service representative that although he could clearly see it was a mistake that the house was foreclosed on and that it should not be delinquent that he did not know the disconnect and that he could not help. He stated that i would have to go to the credit bureaus to make them investigate it. I have done that but BOFA does not fix this issue when disputed. If my credit is not cleared up immediately and everything that bank of america negatively imposed on it i will take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Debt collection (Auto debt) with VW Credit (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This morning I received 22 computer generated calls to call VW Credit at XXXX. 
Each call was exactly the same in duration and in content. It was strange to me that I had to log into my phone to receive the messages, which is normally on 24/7. 

This is pure harassment. It was a clear violation of the FDCPA and if fines were to be applied, my car 's value would be exceeded in fines alone. 

Yes, I do owe the money and I will pay, though I am considering trading the car in to another dealer and not dealing with VW Credit in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: An account was opened in my name and countless transactions were made between  XXXX   XXXX  and  XXXX   XXXX . The charges were over {$30000.00}. I have been unsuccessful in attempts to ge t Capital One to resolve this issue. Capital One  was sucking money directly out of my  XXXX  account. I am trying to recover as much money as possible. A police report has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit card () with AllianceOne Recievables Management (CA).
Issue: Billing disputes

Complaint: I received a letter from This debt Collector Alliance One from an account I do n't owe it shows the amount owe is $ XXXX.At this time I would like to dispute the validation of this alleged Debt because I do n't recognize it, I would like to ask the CFPB to get in this dispute to assist me with my Consumer Rights if in any way has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX sent an outstanding phone bill to a third party collections agency. XXXX terminated my phone lease without my permission or authorization ; therefore, I do not owe anything to XXXX for breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX XXXX XXXX came to XXXX Florida and we were without power in our home for 11 days. My husband was without work for 3 weeks. My husband is a XXXX XXXX   employee in the car business. We called Caliber home loans immediately following the disaster and applied for a 3 month forebenace with the understanding that the payments would be deferred to the end of the loan. The representative advised that we would need to sign the documentation to modify our loan and send it back. I never received the documentations and would call caliber almost every week. When I called at the beginning of XXXX I called to make a payment as usual and they advised that I didnt need to make a payment until XX/XX/XXXX since I was approved for the modification. Keep in mind I havent signed anything yet. On XX/XX/XXXX I called Caliber and told them I still have not recieved the documentations. The Mail came that very same day and finally I received the papers. When I read the documents it stated that it was due on XX/XX/XXXX!!! I literally was on the phone with them and it recorded that I just had recieved it. I quickly went to XXXX XXXX and scanned and emailed the requested documents to Caliber Home loans and I CC my husband on it for his reference. I called back on XX/XX/XXXX just to follow up on the email. They advised that they never received my documents therefore FHA revoked their offer. I was very upset and I felt cheated. Since XX/XX/XXXX I call caliber everyday and one of their representatives ID # XXXX said she sees that the email on the documents was a correct email address but not the correct email for the modification department where all the emails and letters needed to be sent. How was that my FAULT!!!. The representative then told me to send her proof of sent email and the cc to my husband showing receipt of email. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to have the same response each time ( that the offer is still revoked ). On Saturday XX/XX/XXXX I received a letter stating that if I do not come current with my loan I am in lieu of foreclosure. I really need help in this matter. I have XXXX kids and I do not work my husband is the sole provider of this family and we feel that Caliber home loans did not handle our acct fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Medical) with Penn Credit Corporation (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Penn Credit XXXX XXXX XXXX XXXX XXXX, Pa. XXXX Ph. # XXXX, has been calling me about a medical debt they say I owe. On XXXX/XXXX/15 I sent them a debt validation letter requesting proof of debt, I also requested in the certified letter that they no longer make phone calls to my home, work, cell, or any third party. Penn Credit received and signed for the certified letter on XX/XX/2015.Now my XXXX year old mother is receiving phone calls from them looking for me. Penn Credit has all my information and their is no need to call anyone else. She received these calls beginning XXXX/XXXX/15, over 40 days after they received my letter. The certified letter number is XXXX XXXX XXXX XXXX XXXX. When I called Penn Credit I was hung up on by one of their associates after I was told it was MY JOB to call the original creditor to dispute the charge NOT THEIRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: CFPB 's choices do not allow me to select an accurate description of my problem. 

After XXXX  's security breach, I placed Security/Credit freezes with all 3 credit bureaus. 

No problems with XXXX, which was done online. However, Experian and XXXX both told me that " there were problems '' and that I could not continue ( I have copies of the exact wording if you need them ). They said I needed to mail them information. Neither told me what was wrong. 

So then I called them. Try to find a phone number! They 've done a great job at making it as difficult as possible to get their phone number, but I did wind up getting numbers. 

I was able to place my credit freeze using the phone and their automated systems. At least they told me I had successfully placed a freeze on my account and that they will mail me a confirmation. 

XXXX did not charge me - it never came up in the automated phone prompts. Maybe because of the mess they created? XXXX unexpectedly and very rapidly told me my 10-digit PIN which they generated and a confirmation number. I recorded both calls ( Experian and XXXX ) and XXXX did give an option to replay the long msg, but poor design. 

In XX/XX/XXXX I had a dispute with XXXX as they did not have my correct current address, which changed in XX/XX/XXXX. My driver 's license, mailing address, voter registration and even library card all had my current address, but not XXXX! They even had my mortgage of the house at the address where I was living but apparently did n't think I lived there. 

Summary of my complaints : 1. When they can not process your information, they do not tell you why ( sure, they may purposely want to keep it vague, but I 'm requesting a Freeze, not opening a new acct ). Here is Experian 's exact wording " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' 2. Wonder why the online method failed, but automated phone system worked. 

3. No phone numbers are given in their ' can not process ' message. 

4. Finding the correct phone number is difficult. Experian 's IL number ( listed on the site as XXXX ) rang once and disconnected, so I tried their CA number which said they were closed but then gave me the XXXX number which I was able to use. 

5. Credit bureaus must face stiffer penalties for poor data quality. They have too much power and are not responsive. If any fraudulent accounts were opened during the time a credit/security freeze was attempted and the time it actually happened, which could be a long time if someone used US Mail, they need to be held liable for all expenses incurred by the victim.

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 09/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Application, originator, mortgage broker

Complaint: HI! My mortgage was taken over by XXXX bank a couple months back. 
But my mortgage still shows payments due to Owcen mortgage company which is not correct, I only owe money to XXXX for the house at XXXX XXXX XXXX, XXXX XXXX XXXX, New JerseyThis has caused my credit score to drop XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was involved in a very XXXX accident in XXXX 2015. This began a downward spiral for me -- I was unable to work after 25 years as a XXXX XXXX. I had to wait nearly 10 months for my workmen compensation to be approved and had no income during this time. And this led to me defaulting on the mortgage loan for my manufactured home that I have owned for over 20 years. I have tried in vain to get Nationstar Mortgage to help me get back on track with this loan but it seems to me that the agents at Nationstar are vague and dishonest. I can not get a hold of anyone who knows anything about my mortgage. I have no assigned dedicated contact, and get transferred from department to department when I try to work to resolve my mortgage delinquency. The people at Nationstar say they will help, but it is just lip service and nothing actually happens. Now I have a foreclosure sale date set for XXXX XXXX. 

I ran into problems when I was involved in a XXXX accident in XXXX and ended up with a XXXX XXXX and XXXX as well as XXXX problems. To make matters worse, when I got back to XXXX I discovered that my mobile home had been broken into and my belongings had been stolen and the place was trashed. Due to the injury I was unable to work. I had been a XXXX XXXX for 25 years, but it took nearly 10 months to get approved for workmen 's compensation so I literally had no income during that time. I used what savings I had to keep up on the payment but eventually fell behind. 

I am now receiving SSI and have enough income to afford a fair mortgage payment. The problem is that I ca n't even get Nationstar to give me the time of day to look at my situation and review me for available programs. I have tried to resume making payments but am told I have to reinstate all missed payments at once -- I am not able to do this. However, I do have the means to afford a fair and reasonable payment if Nationstar were to conduct a review of my current financial circumstances. Why am I not being considered for a modification, or a forbearance agreement or a consideration for putting the late payments back into the balance of the loan? Why has Nationstar not assigned a point of contact and turned their back on me,? I also believe that Nationstar is violating the law for XXXX Homeowner 's. I have been told that they are required to conduct a review of the current financial situation of the homeowner before they foreclose ; this has not happened in my case, and I am filing a complaint against Nationstar to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After becoming aware that XXXX accounts had been placed on my credit report by this agency, I contacted the agency requesting verification of this debt. The information provided by the agency did not include any information positively associating me with this debt, nor had I visited the associated facility or received any of the medical services associated with this debt. Between XXXX - XXXX, I made multiple attempts to dispute this claim, both with the agency directly as well as XXXX & XXXX. The agency deleted XXXX account but validated XXXX remaining accounts while failing to provide me with any documentation substantiating this debt. On XXXX/XXXX/XXXX, I contacted the agency again disputing the remaining XXXX accounts and asking that the debts either be validated or deleted from my account.On XXXX/XXXX/XXXX, I contacted the agency again after notating that the collections were still reporting to the credit bureaus. After being told by the initial representative that the dispute was placed with the Dispute Department on XXXX/XXXX/XXXX, this was later given denied by the dispute representative and he asked for me to give the agency more time to validate the dispute. I refused this request in accordance with my legal rights and asked that the issue be resolved by close of business today. The representative informed me that he would need at least 3 business days.This false reporting has negatively impacted my credit score adversely affecting my ability to qualify for a home and car loan during this 180+ days..

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 07/28/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a letter from Sunrise Credit Services Inc. stating that I owe {$290.00} for an account I hat in XXXX XXXX XXXX. I have talked to XXXX already and there is no record of me having an account with them, they looked me up with my SS # as well as with my full name and no record was found. I have never used XXXX for anything.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this Bankruptcy on XXXX. Also, I included information from the XXXX XXXX XXXX XXXX. Per the new Public Record Credit Reporting Standards Law that went into effect on XXXX XXXX, XXXX, states that public records including Bankruptcies will not be reporting on credit reports any longer.

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 05/16/2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (MD).
Issue: Problems when you are unable to pay

Complaint: Sometime XXXX XXXX, I secured a {$1000.00} loan from Mariner Finance in XXXX MD. In addition to the original loan, I also opted to pay for the supplemental insurance ( Unemployment ) should ( unfortunately ) this should occur. Due to unforeseen circumstances, I fell behind on 1 payment which prompted numerous and repeated phone calls to both my cell, home, and work. Each time-especially work, not to contact me here for phone calls are monitored by security. The company refused to adhere to my wishes and continued to repeatedly call my job which placed my employment in jeopardy. On XXXX XXXX, XXXX, I lost my job due to downsize-at least that is what I was told. Shortly thereafter, I submitted a letter to the company alerting them to the change and asked for the necessary claim form. Instead of them providing the necessary claim form for payments, Mariner Finance instead chose to allow the loan to continue to accrual interest which the loan has now near {$3000.00}. Complaints were initially filed with the XXXX and MD Dept of Labor Licensing and Regulation ( DLLR ) and had been removed from the Credit Reports. Upon a recent review of my credit report, the account now re-appears on the report dropping the score by a staggering XXXX points. As a victim of identity theft, I regularly monitor my reports for any and all suspicious activity. I am also XXXX and have been in this unfortunate predicament since XXXX/XXXX/XXXX. Since seeing this information reappear on the report, I have subsequently initiated another complaint with the XXXX which does n't seem to be any resolution in sight. However, by virtue of their own admission, the loan should have been paid off in XXXX. I somewhat tend to agree had they processed my claim form for which they did not. Now, after more than 2 years have passed, they are now requesting that I fill out the claim form for processing. Hence, my question : How can this be properly processed-if at all when the loss occurred in XXXX? Moreover, it is my belief that Mariner Finance is attempting to correct a mistake that simply ca n't be undone and ( purposely ) continuing to access interest on a daily basis in an effort to collect more monies that are owed-if at all due to the supplemental insurance.

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