milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX of XXXX, I offered Bank of America, the owner of the house, $ XXXX for a home and the bank accepted the offer. At the time, the house was a short sale and scheduled for foreclosure and had a foreclosure sale date for XXXX XXXX. So, from the time Bank of America accepted my offer in XXXX I was told I needed to wait for the bank to provide a release letter to close on the home. The house had no appliances and had holes in the walls which I was told needed to be remedied before I could close. I wanted the house, so I bought and installed all the appliances and fixed the holes in the walls. Still anxiously waiting for months to get the release letter, in XXXX, the bank said that they wanted to re-appraise the home. So, in XXXX, after I had done all the repairs and installed all the required appliances the house appraised for $ XXXX more, $ XXXX. So, Bank of America told me they would not give me the release letter to close for the agreed to price that we had under contract of $ XXXX, they said I could n't have the house unless I paid $ XXXX and if I did not agree they would sell the house at the XXXX foreclosure auction. Of course the house appraised for more, I had made the fixes it needed and installed appliances, all from my own funds. It was unethical for them to not honor the offer they agreed to when it went under contract and to threaten not to sell it to me if I did not agree to their new price after waiting months for the release letter after the original agreed to contract. This was wrong. Since the bank was threatening to go through with the foreclosure sale if I did not pay the price increase. I felt I had no choice, although I felt this was very wrong. Under much duress, I signed the bank 's counter offer on XXXX XXXX, XXXX to acquire it before the scheduled foreclosure sale.

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 07/13/2016 about Debt collection (I do not know) with United Collection Bureau, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received numerous automated calls telling me to call back United Collection Bureau. Whether I answer or let it go to voicemail an automated recording tells me to call back. When I call back I give my name and nothing else. They want me to providentify further information, address, workplace phone and address, etc. They will not tell my why they called other than they are trying to reach me. Their calls are becoming more frequent. I have not received any written communication from this entity. They are harassing me without telling me why.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am an XXXX. A client XXXX. For some reason, the client 's XXXX account was put in my personal name. It was n't done by me. It was done by a family member of the XXXX. It is not my account, and never was. I have told them this multiple times. 

I told both XXXX and now the collection firm. I properly disputed the debt, but they keep sending me collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Refer to prior complaint number # XXXX against Caine & Weiner for previous history. 

Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. 

Caine & Weiner responded to the CFPB onXX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at XXXX and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. 

Today,XX/XX/XXXX three months later, I receive a letter from Caine & Weiner dated onXX/XX/XXXX that the account was paid in full. 

This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! 

How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? 

I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (Other type of mortgage) with Servis One, Inc. (CA).
Issue: Trouble during payment process

Complaint: I have been making regular, timely payments on my mortgage since it was originated in XX/XX/XXXX. During that time the note has been sold twice -- first from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and more recently to XXXX XXXX XXXX. There were no issues until now, but XXXX is not crediting my payments on time. 

XXXX 's statements arrive on about the XXXX or XXXX of each month, with a due date of XX/XX/XXXX. I always mail the payment immediately. Until XX/XX/XXXX of this year the loan was interest-only, with amounts due ranging between {$330.00} and {$360.00}. I tend to add an additional amount for principal, so my payments total {$500.00}. ( My understanding is that the loan is now being converted to Principal + Interest. ) On XX/XX/XXXX XXXX phoned to say they had not received my payment for that month. To avoid late charges, I send a second check for {$500.00}. Both checks ( # XXXX, dated XX/XX/XXXX ; and # XXXX, dated XX/XX/XXXX ) then cleared my bank on the same day ( XX/XX/XXXX ). On XX/XX/XXXX XXXX phoned again with the same problem : They did not have my payment, even though I had mailed the check on XX/XX/XXXX. I discussed the recurring issue with their representative, who explained that XXXX is not really set up to process checks. She said they prefer electronic payments. This was news to me. I informed her of my check number ( # XXXX ), and as I knew they must have it, I did not send a second payment. 

The check cleared my bank on XX/XX/XXXX. I have now received a Past Due Notice, dated XX/XX/XXXX. 

Possible explanations are that ( a ) XXXX is no longer able to process payments by mail, although I was not aware of such a problem before XX/XX/XXXX, and/or ( b ) they are intentionally delaying processing of my payments in order to force me to pay electronically. 

I can adapt to their new requirement, but I am alarmed that my excellent credit rating will suffer because of a reported delinquency. Also, their late fee of {$17.00} is unfair and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax claims that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank have stated that the account info is mine. On XXXX XXXX, I called all XXXX banks and all XXXX states that the investigations were ongoing so no information had been reported to Equifax as of XXXX XXXX, 2016. I called Equifax after getting off the phone with XXXX Bank and they claim the companies did verify the information and had no idea why they lied to me. When I asked for the verification they received, I was told that was not how the process worked and then was transferred to a supervisor who then asked me if a fradulent address appeared on my report and when I answered yes, I was told I need to talk to the fraud department. I thought I had talked to the fraud department the whole time. How are you allowed to hold people 's lives in your hands?

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Medical) with Financial Adjustment Bureau, Inc. (IA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Sent first dispute letter to Financial Adjustment Bureau ( XXXX, IA collection company ) in XXXX regarding XXXX bills on my credit report. Received multiple pages of printouts from their own computer system, along with some type of copy of medical bills, XXXX of which violated HIPPA law, not XXXX contained my signature. Have time/date prints of my credit reports showing failure to report dispute to credit bureaus within 31 days. Sent followup letter, XXXX, again disputing and asking for validation according to federal law, received a single printed page ( dated XXXX ) from them stating amounts, now with interest/service charges, and a brief statement ... '' '' Thank you for your letter. We sent information to XXXX today to report the above accounts as disputed. We did provide you with validation of debt for these accounts and will not be removing them from your credit report. You received the services and are responsible for payment. '' '' Very appalling from these " professionals '' in the business since XXXX, especially when, in my dispute letter, I pointed out what validation means. Not to mention the consumer address on the HIPPA violation was never mine, there are multiple people with same name and close to same age as myself on the county 's on-line court records, I can not get credit bureaus to remove this address from my report with this collector reporting the address to the credit report under my SSN. Multiple federal laws broken, yet they still want to act as if they are in the right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The recent hack of Equifax information has leaked my information to the public. The company has acknowledged that my information may have been breached. Their systems are down and they are only offering a service to " protect '' my case in exchange for the waving of arbitration rights.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with PAYPAL HOLDINGS INC. (NC).
Issue: Unsolicited issuance of credit card

Complaint: Paypal gave me a line of credit, as a person under the age of XXXX, without a cosigner or proof of income when I am aware that there is a credit act that protects people such as myself. I did not intend to apply for credit, and have never used paypal before so I used the payments as instructed. Not only was I deceivingly signed up for credit, I was not protected as a minor by paypal in those terms. Since I did not know it was credit, there is now unpaid interest and late fees on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Fair Credit Reporting Act Willful Non-Compliance, Willful noncompliance with FCRA Disputed Accuracy Section 611. FCRA Rules allow {$1000.00} per violation. EQUIFAX failed to respond twice within 30 days to letters sent in response to inaccurate contact information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit card () with DISCOVER BANK (NC).
Issue: Customer service / Customer relations

Complaint: DISCOVER BANK MADE A HARD INQUIRE ON MY CREDIT TEPORT WITHOUT MY CONSENT I HAVE NEVER TRYED TO GET ANYTHING FROM DISCOVER

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX I purchased a condo which I mortgaged through Wells Fargo Bank. I took out a second ( equity line of credit ) with WFB as well, as part of the purchase. I already owned a home in another town which I planned to sell. The economy tanked and I could n't sell the other house. I used up all of my savings because I did n't want to default on anything as I was trying to figure out what to do, but right before I ran out of money I was advised by an attorney to file for Chapter XXXX bankruptcy. I lost the home, but I kept the condo and have paid both the mortgage and equity line-of-credit on time, and usually paid more than the required payments. Now I am trying to refinance my condo and find that WFB recently reported me to XXXX as a new bankruptcy! Therefore, I can not refinance my loan! I called XXXX and told them the bankruptcy was not right, that it had been discharged in XXXX, and that I have paid every payment on both loans for the past 9 years. They said I have to work it out with Wells Fargo. I have called Wells Fargo XXXX separate times and each time I 'm handed from person to person. First they told me they could n't do anything and I had to call XXXX. Then another person told me they do n't report anything to the credit agencies, which is a lie. She said they could n't do anything. The mortgage broker who I 'm trying to refinance with told me this bankruptcy from Wells Fargo shows on my credit report as a NEW bankruptcy, reported by Wells Fargo Bank as of XX/XX/XXXX. I finally got through to someone else the other night at Wells Fargo who said he would pass it on to the proper department, which meant I might hear from someone in 24-48 hours. Today ( almost 48 hrs later ) a man named XXXX called me and said he would look into it, and that it would take about 10 days. I 'm so upset, because I do NOT have a new Bankruptcy! I have paid all my payments on time, usually early, to all my creditors, and all I want to do is refinance my home loan to get out of the 'interest only ' loans I was sold by WFB. I 'm so stressed out I ca n't sleep. I just keep getting passed from person to person, told they ca n't do anything but will look into it .... I do n't know what to do. I can not get a new loan becaue XXXX tells the new loan company that I am a bad risk! I need Wells Fargo to remove that Lie from all credit reporting agencies! Please help 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 non-monetary relief
Consumer complaint received 06/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is getting ridiculous. TransUnion sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to XXXX, TransUnion XXXX. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by XXXX to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. TransUnion has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Other mortgage) with Castle Credit Co Holdings (TX).
Issue: Settlement process and costs

Complaint: I purchased a water softener for my home through Castle Credit Corporation and water softener was installed. 
I was charge {$4200.00} for the water softener in which it was a basic water softener. 
I was n't aware of the charges and l am on XXXX XXXX XXXX and Retired. 
I am on Prescribed Medications and a Military Veteran. 
The water softener was installed at my home at XXXX XXXX XXXX XXXX XXXX, Texas.XXXX. 
I am paying {$78.00} a month with high interest and finance charges of $ XXXXXXXXWater softener was installed around XXXX or XXXX 2015.l purchase my home on a VA loan and closed escrow on XXXX,2015. 
My account number # XXXX is not listed on my credit report with XXXX XXXX XXXX. 
Castle Credit Corporation contact number XXXX and fax XXXXXXXXPlease implement this complain in another category of credit.not Mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: on XXXX/XXXX/XXXX after checking my credit report I noticed a derogatory remark on my credit report from a collection agency called XXXX XXXX who bought a debt from " XXXX ''. After contacting this company via mail and phone to validate this debt which is not mine the companies account was removed from my credit report. This is was not the first time I 've had to request validation from XXXX or their creditors. I once had 3 different accounts at different addresses on my credit report showing seriously delinquent all which were removed due to them not being mine. Today XXXX/XXXX/XXXX I wake up and there is a new account on my report from " XXXX XXXX XXXX XXXX '' original creditors " XXXX '' for {$770.00}. I called XXXX and was told they do not handle these disputes and it seems to be fraud. I was advised to call the Credit bureau. I then called XXXX and was advised that " its a wash and rinse process and only thing they can do is keep disputing the accounts if collection agencies continue to sell, and also to contact the CFPB, FTC, and State attorney general office. so here we are!!

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 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: AFTER ALMOST 6 MONTHS, XXXX FINALLY DISCHARGED MY LOANS THROUGH XXXX. NALNET ADVISED ME THAT NAVIENT WAS NOTIFIED AND I HAVE CALLED, FAXED AND EMAILED THEM WITH THE DISCHARGE APPROVAL FROM NELNET AND THEY HAVE NOT ACKNOWLEDGED RECEIPT OF ANY INFORMATION TO THAT AFFECT. MEANWHILE, THEY CONTINUE TO TAKE AUTOMATIC PAYMENTS FOR THE LOANS FROM THE BANK AND IN ADDITION, I AM IN NEED OF FINDING A PLACE TO LIVE AND MY CREDIT REPORTS REFLECT A LARGE AMOUNT OF STUDENT DEBT AND I AM BEING DENIED HOUSING BECAUSE OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have asked for my monthly payment to be reduced before but was declined because I do n't qualify. Supposedly make too much combined with spouse. When I first applied for loans I was misinformed about the interest rates. I was told that the rates would be less because it was a federal loan. I did n't learn of my outrages interest rates until recently. I owe roughly  XXXX . By the time I were to magically pay this loan off with interest, I 'm looking at  XXXX ! I 've had to call and postpone payment before because the payments are too high, meanwhile accumulating DAILY interest rates. What a joke! If I were correctly informed from the very beginning of how horrible these loans are and how it is unrealistic to repay, I would 've never gone down this path as most students do.

Company response to consumer: Closed with explanation