milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Please refer to Consumer Financial Protection Bureau Case number : XXXX. 
Wells Fargo Home Mortgage is maintaining that we are one month behind in our mortgage payments. I have reviewed the final account statement from XXXX XXXX, Executive Resolution Specialist for Wells Fargo. My bank account payment records and my Wells Fargo online records both match the statement of account that she sent me. The only difference is all our payments are listed as " Unapplied Funds ''. Why is that? 

I 'm reattaching the statement from the bankruptcy court that I attached to the original complaint. It clearly states that the house was surrendered to my ex-wife through our divorce. It also clearly states that no money was held by the bankruptcy court from Wells Fargo. 

Also, XXXX XXXX did n't even address the fact that 2 payments were made in XXXX XXXX! 

Further, the court did not tell Wells Fargo to reverse that XXXX XXXX payment and then only partially apply it to the mortgage as stated by XXXX XXXX. 

This whole mess, which we have been trying to work out with Wells Fargo, has gone on for years now! It is nothing more than an accounting error on their part yet they refuse to fix it. At this point I am looking at it as outright fraud on their part! 

XXXX more points : 1 ) I have spoken with the VA and they tell me Wells Fargo has reported us as " On Time '' a couple months this year ( as well as several other times during the period they have been tell us we are behind ). 
2 ) Since XXXX XXXX we have made 48 complete payment when only 47 were due during that time period. 

Their argument that we are a month behind makes absolutely no sense! We are a month ahead and we want that 2nd payment made in XXXX XXXX back and have our account show that it is current!

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 06-09-2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (MO).
Issue: Payoff process

Complaint: I made multiple payments ranging from {$2900.00} to {$4500.00} to BBVA bank using their online system and pulling from a XXXX XXXX XXXX checking account. At no time in the process did they say large payments may take 7-10 days to credit to my account and made no attempt to expedite the process. Instead, I just have a worthless piece of plastic with no available credit to use despite it showing up online on BBVA 's end and the money being withdrawn from XXXX XXXX XXXX 's end. This is ridiculous and intentional stalling on BBVA 's part during the XXXX bonus period they offer. They are systematically delaying their customer 's usage of the credit card during this time yet promoting this time as a way to garner more sign ups for their product. It is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: I opened an account with BBVA Compass to get the promotional offer and since I 'm an employee. Into about the third week of having the card it was continuously declined. I called customer service to see what was going on and when my bill was due. I was told the bill had been mailed on XX/XX/XXXX and that day was XX/XX/XXXX. Around XX/XX/XXXX I realized I never received the statement. Come to find out I was told by someone in the fraud department my social was being used by a man in California. I went straight to ordering my credit report but after some thought about what they advised this could not have been correct since I had opened another account with another company since then with no problem. I requested for my account to be closed around XX/XX/XXXX and was advised the amount I owed. They said the statement should be arriving soon. The following week when I tried to set up an online account to just pay the bill online I kept receiving an error that my zip code was incorrect. After some thought I realized BBVA Compass must have either combined my account with someone else or went in and changed my information to an address in California and this is why I was previously told my social had been used by another person. I spoke again to the fraud department and they stated they reopened my account. I advised them I only wanted to make sure the bill was paid in time before I incurred any late fees or penalties. I was informed of the amount owed and was told I could sent the payment thru inter office if I wanted my payment expedited. Before I make a payment I would also like to be aware of what I am paying and not just send money to a company who changing my account information without my permission. I was also told my account would be updated with my correct address. This was the Monday before XXXX and I just checked again on XX/XX/XXXX and I still can not create an account. It is near impossible to get a hold of the correct person on the phone or even just speak to someone in a timely manner. My husband and I plan to start looking for a house within the year and have been monitoring my credit. I would like to receive a statement prior to making a payment and then close my account. I would also like to file a complaint as well for the actions that have been taken on my account. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Derogatory entry in my credit report for a paid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been working tirelessly on repairing my credit history independently and with a reputable credit repair company over the past year. Recently I was to the point where all of the inquiries that were reflected on my Transunion credit report was deleted. When I reviewed my report all on Monday all the inquiries returned out of no where. I tried contacting the credit bureau and had to wait on hold for over an hour and 30 minutes. I have yet to get through to someone to resolve this issue. Due to my work I can not stay on the phone for long periods of time. I have also put this inquiry in writing to them. I was never advised in writing via email or snail mail that these inquiries would reappear and from what I have learned this is in violation of the FCRA SEC 611rules. I would like to this matter looked into from all venues until it is resolved.

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 07/31/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original debt of {$16000.00} # XXXX with original creditor XXXX currently held by collection agency " Portfolio Recovery Associates '' WITH XXXX ACCOUNT NUMBERS WITH THEM # XXXX & # XXXX for the THIS EXACT SAME DEBT is time barred meaning the California statue of limitations has more than exceeded ( over XXXX-years ) the time to collect and or sue for. The problem is also that this same debt When I called them up to tell them this that 's the first thing they tell me at the beginning of the phone call meaning that this debt has far exceeded the time to sue and is time barred however when I tell them " Portfolio Recovery Associates '' this they tell me they ca n't remove this from credit report as money still owed to them. I then proceeded to call XXXX credit reporting agency at ( XXXX ) XXXX directly and they did indeed tell me that this debt has been long last the ( XXXX ) year California time statue and is time barred and they immediately removed this from the XXXX credit report. I want to make sure though that they " Portfolio Recovery Associates '' also acknowledge that they HAVE XXXX ACCOUNT NUMBERS ( mentioned above ) that pertain to the same and ONLY DEBT OF {$16000.00} and that they will indeed remove these XXXX NEGATIVE AMOUNTS from NOT ONLY FROM THE XXXX CREDIT REPORTING AGENCY BUT TO ALL OTHER CREDIT REPORTING AGENCIES AS WELL. You can call and confirm with XXXX Credit Reporting Agency as well that this DEBT " Portfolio Recovery Associates '' is indeed time barred and last the California time statue of ( XXXX ) years. XXXX says they have removed this debt as of XXXX/XXXX/15 but want to confirm that BOTH ACCOUNT NUMBERS ( listed above ) FOR THE SAME DEBT ( {$16000.00} ) WITH THIS COLLECTION AGENCY " Portfolio Recovery Associates '' will be REMOVED and NOT JUST THE XXXX ACCOUNT NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello, I filed bankruptcy in 2015 and reaffirmed my mortgage through my attorney with XXXX XXXX and it was filed in the federal court on XXXX/XXXX/15. I was just made aware that the Mortgage Company has not been reporting and never re-affirmed the mortgage, due to this my credit has declined, I have received higher interest rates for my auto loans as well as I have been denied credit on several occasions. I now have several inquiries on my credit that is impacting the score, my credit worthiness is XXXX. The mortgage company stated that they will mail me a letter of correction but I do not know where to go from here to reestablish myself due to their oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Approximately in XX/XX/XXXX, I knew that my student loan repayments were going to begin in XX/XX/XXXX. I decided to make an early payment and set up auto-payment through NelNet. I visited the website and attempted to make my first payment in XX/XX/XXXX and set up my auto-debit payment account. In XX/XX/XXXX, I received an email from NelNet stating that a certain amount was going to be taken from my bank account. After they took a certain amount from my bank, I received another email stating that they were going to remove another amount from my bank account. I was confused on why they were going to be taking from my bank account twice. They said that their system default does not necessarily make all payments deductions on one day. I was confused on what my monthly minimum payments was. Even though I was speaking to the representative, she could not give me a straight answer. I asked her to please make all my monthly payments due on one day and she confirmed that she would. On XX/XX/XXXX, I contacted NelNet requesting that my payments be due on the XXXX of every month. The representative stated that the amount due on XX/XX/XXXX was already processed and that could not be changed. I said that was okay, but please starting in XX/XX/XXXX, to please change the due date to the XX/XX/XXXX. I was told that the next auto-payment would be processed on XX/XX/XXXX. So a total amount of $ XXXX was taken from my bank on XX/XX/XXXX. But then I received another email on XX/XX/XXXX stating that the same amount of $ XXXX was going to be processed on XX/XX/XXXX. I immediately called NetNet informing them that this was a mistake. The representative confirmed that the system noted the next payment was supposed to take place on XX/XX/XXXX, but for some reason they could not do anything about the amount being processed on XX/XX/XXXX. They said they could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred from XXXX XXXX XXXX to Nationstar Mortgage. I did not receive notification of this transfer until after I made a {$980.00} mortgage payment to XXXX for my XXXX 2015 payment. When I set up my new Nationstar Mortgage account, I noticed that my payment to XXXX had not been applied to my Nationstar Mortgage account and my account was showing as not paid. I paid Nationstar Mortgage another {$980.00} so that my account would be paid with Nationstar within the 15 day grace period and would not be hit with late fees or result in a negative credit report from Nationstar. The transfer letter that I received from Nationstar stated that XXXX would forward the payment to Nationstar ( XXXX # XXXX / my Nationstar mortgage # XXXX ). XXXX XXXX XXXX XXXX # : XXXX / my XXXX mortgage # XXXX ) has not forwarded that payment. 
I have been defrauded by both Nationstar and XXXX in what appear to be a scheme putting me in a situation where I am forced to pay XXXX mortgage payments for 1 month. 
As I see it, XXXX has defrauded me out of {$980.00} by accepting my payment, knowing that my loan had been transferred to Nationstar, and then failing to forward that payment to Nationstar which resulted in my having to pay Nationstar an additional {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: AURORA LOAN SERVICE SOLD ME A PREDATORY HOME LOAN AND THE FOLKS IN A CLASS ACTION SUIT HELD IN MINNESOTA DECLARED THEM GUILTY ; SENT ME A NOTICE STATING SO WITH A {$600.00} CHECK FOR COMPENSATION. 
THEN THEY HAND IT OFF TO NATIONSTAR AFTER BEING ADJUDICATED FOR THEIR CRIME. PLEASE FIX THESE ERRORS AGAINST MY CREDIT. I LOST MY INHERITANCE MONEY TO THESE CROOKS. SHAMEFUL, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax were negligent in their data security protocols and have subsequently opened myself and 143 million others up to identity fraud and theft, costing those affected as well as the American government untold millions possibly billions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Inaccurate wrong and hurtful information being reported by this company to the credit reporting agencies. i do not have nor have i gotten any form of communication from this company in regards to them reporting negative information on my credit report to the XXXX credit bureaus. which i find that to be a violation of the FCRA laws. at this point no communication is warranted as damage has been done. I would like for them to validate with original signatures and contracts they have along with payments and amounts due pertaining to alleged debt. if validation can not be provided i demand the negative reporting be removed from XXXX, XXXX and XXXX immediately if validation is found i have the right to have all findings sent to me within XXXX days of the findings. I demand XXXX days to respond which is not likely as there no contractual validations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I spoke with XXXX XXXX XXXX a couple of months ago regarding fees and unrecognized charges to the account. Was advised to send in my affidavit in which I did and that someone from the fraud department would contact me but no one never did. XXXX XXXX advised me that it may take some time for a representative to contact me which is understandable but I have n't heard from anyone regarding status or anything. I 've faxed several documents requesting an update to the fax numbers in which I was provided but never received a response nor a call back. The collection agency in which target sold the account to are trying to sue me for a balance in which I feel that I 'm not totally responsible for. If someone can give me a call with an update on the account I 'd greatly appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I had a bank account with bank of America in California, I was starting a business, I had investors for funds, the investors supplied money for the business to get under way. The bank of America froze my account and I called the bank when I found out no funds were available and I knew funds were in the account the bank is saying that this was not my money in the account and this is why we froze your account. I have the sum of {$1700.00} due me from the bank of America and went to the bank today to resolve this matter they refused still to pay me my money. I received today a letter from the state of California State Controllers office stating the funds If I do not get from the bank of America by XX/XX/2018 the business is required by law to send the funds to the state controllers office ( SCO ) and can be claimed by me there. I tried to resolve this today XX/XX/2018 but the bank of America still refuses to send the funds or pay me the money due 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 monetary relief
Consumer complaint received 03/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was current with XXXX. I became unemployed and it took XXXX months for keep home CA to start making payments on my mortgage so once they started making payments my mortgage became XXXX months behind even though they were paying each month. Initially the program paid the wring amount because XXXX all of a sudden said my reduced interest rate from NACA was only temporary but NACA says it was permanent. During this time my mortgage was sold by XXXX to SHELLPOINT Mortgage Servicing. Once keep home Calif stopped paying my mortgage was immediately XXXX months behind. As I was only working part time I couldnt pay my mortgage and it became past due. I was working with the Shellpoint mortgage company who sent me a request for documents. I sent the same documents 4 times and they sent me acknowledgement letters saying they were working on my information for lian modification but just put my home in default and foreclosure while still requesting the same documents already sent several times. Shellpoint did nothing to help me keep my home at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Prepaid card (General purpose card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees

Complaint: I received a XXXX XXXX rebate card in the form of a prepaid XXXX issued by JP Morgan Chase. I forgot I had the card and did not use it before it 's expiration date. 

I called the number on the back of the card and was told that my {$30.00} card now had a balance of {$2.00}. Chase had charged a monthly maintenance fee of {$3.00}. This seems excessive and is a convenient way for Chase to take the money from forgotten prepaid cards. This maintenance fee is described on the back of the card in fine print that is almost impossible to read. 

I requested that the fee be waived but the people at XXXX were unhelpful and insisted that the fees were justified. 

I see no legitimate reason for this fee. It is only a way for Chase to keep the money and ignore the unclaimed property laws. 

From : California Code of Civil Procedure Title XXXX, Chapter XXXX - Unclaimed Property Law XXXX. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the Equifax breech. This is horrible because I 'm a young person who has worked very hard for her high credit number and I 'm disgusted that this company has known about this breech longer than today XXXX/XXXX/XXXX. I have never used this company for any reason but they still had access to my credit records. My privacy and future has been jeopardized. I 'm only a young adult, am I going to have to be looking over my shoulder all for the rest of my life?

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: InXX/XX/XXXX I was informed by the IRS that there was attempt to file a tax return in my name/SSN. I reported this to credit bureaus and federal identity theft. InXX/XX/XXXX I  received a credit card from XXXX XXXX XXXX in the mail - I did not apply for it. I immediately called and alerted the bank. I was ensured that I did not need to do anything else. 3-4 weeks ago I received a call from XXXX XXXX XXXX at work stating that I needed to sign some documents at that they have not been able to reach me for several months. It turned out they sent the documents to an addressed I lived 11 years ago. I finally received the documentation last week and returned it immediately. Today I received an email from XXXX that my credit line was reduced from > $ 10k to {$500.00} due to a credit report. I immediately request a free report and notice that XXXX XXXX XXXX filed a > 120  day overdue account on my report - I was assured that this would not happen. I called the bank and they were of no help. I also called Experian and requested to investigate the false report. I called XXXX trying to correct my credit line but they refused.

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