milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I took out a mortgage for $ XXXX with XXXX XXXX XXXX. I made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the Mortgage Electronic Registration Systems , Inc. tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX tried again to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX another fake servicer called Caliber Home Loans attempted to assign my deed of trust again. ( Exhibit B ). My deed of trust on p. 24 specifically states that only the LENDER can substitute the Trustee. None of these companies are the LENDER.The companies have not sent my Attorney the requested documentation. ( Letter dated XXXX/XXXX/XXXX ). They have not given me an updated running balance of all payments made to date which leads me to believe all this is fraud and would like for the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: I was denied loan mo modification by Wells Fargo and my wife and I appealed it. The appeal was denied and we decided to reach out to XXXX. They have tried to speak with Wells Fargo however Wells Fargo for some reason has no record of XXXX reaching out to them. I believe Wells Fargo works for XXXX XXXX who are the investors of my mortgage. XXXX has tried numerous times but to no avail.

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 02/23/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For the past five ( 5 ) years I have disputed some erroneous information on my credit report from XXXX. I have never had any utilities in my name, and I have contacted XXXX numerous times to have the item removed. They have never provided any information that has verified this to be my account. Once I even inquired about paying it, just to have it removed from my credit file. I need to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Auto debt) with JPMORGAN CHASE & CO. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, I have this auto debt on my c redit from Chase auto in a collection status. Chase auto has reported on my credit and it has effected me getting qualified for a Va Home lo an.   In the month of  XXXX    XXXX   I was trying to open a bank account with  XXXX   XXXX   XXXX   XXXX  but was denied due to bad debt. So after obtaining my credit report in  XXXX    XXXX   I saw this alleged account on my report.   On  XXXX   XXXX    XXXX   I wrote to cha se (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , AZ  XXXX  ) auto finance asking for the amount owed on this account, and offered to settle this account in exchange for the original instrument of indebtedness in its original form. I heard no responsefrom this letter.   I waited till  XXXX   XXXX    XXXX   to write chase auto again. On that day i offered again to settle the account in exchange for the original instrument of indebtedness in its original form. If no responsewas received by  XXXX   XXXX    XXXX   I wouldhave considered the account legally and financially settled.   I have recently received a phone call  from Chase  on  XXXX   XXXX    XXXX   during my work hours where in my letter on  XXXX   XXXX  I requested no telephone communication be done only mail.  Chase auto has not provided me any contract with my signature on it in accordance with the UCC article 3 Part 4 which they assume I am liable this de bt and currently still report it in erroneous on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCB MANAGEMENT SERVICES INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I defaulted on a loan with XXXX. The loan was sold to a collection company ( agent ) I made a payoff agreement with the agent of XXXX to payoff for removal. One the debt was paid off XXXX placed the debt back on my credit as a paid off collection and will not remove it as per the agreement with it 's agent.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Struggling to pay mortgage

Complaint: I have contacted you --  XXXX   Fifth Third B ank -- our accountant emailed to them our taxes   XXXX   XXXX   they " ca n't find them '' I sent them again twice.     is this a scam to say they can not find the required documents & taxes???     very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Credit card) with Mid-Atlantic Consumer Services (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Over the past few weeks I have received numerous calls from someone stating they were with the office of XXXX XXXX. They stated that they were calling to inform that there will be an investigation made on my current employment to include contacting my employer to have wages and employment information obtained. To prevent this action I would need to contact the office of XXXX XXXX at XXXX. 

I contacted the number to find out that the company was XXXX XXXX XXXX. After researching the company further I discovered that the group has had XXXX other numbers with an address at a XXXX in XXXX NY. The number that come up on the caller ID was a XXXX number XXXX. I attempted to ask who the debt was being paid to and was told it was the XXXX. I closed the account over 5 years ago because of false statements on the agreements and excessive fees. The account was removed from my credit report after I submitted the case to XXXX. Now some investor has purchased the debt and is attempting to scam me for over 300 % of the amount that was settled 3 years ago. 

There is another instance where this company has contacted a person stating if the item is not paid it will effect their ability to get a bank account or even obtain employment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX continues to report inaccrate information on my credit report with XXXX Experian and XXXX the credit bureaus fail to protect me as a consumer and do not follow the proper guidelines like XXXX XXXX reporting different open dates

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 11/25/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XXXX 2015, we were calling PHH Mortgage XXXX, asking for a Payoff amount on the home. Finally, in XXXX 2015, we sent an email asking, PHH Mortgage services in XXXX, NJ. to give us a pay off balance on the mortgage. In the email they gave a payoff amount as of XXXX XXXX, 2015 in the amount of {$61000.00}. I went to the Credit Union and got a Cashiers Check in that amount. I sent the cashiers check Certified mail. Through tracking I received the information that they received the check and someone at PHH Mortgage signed for it. Then in XXXX 2015, we get a notice that we are in default of the loan for two months. We contacted them and they told us, they lost the Cashiers check, they wanted us to stop payment on the one they lost and reissue them a new check. It states right on the check, " NO Stop Payment Permitted ''. So, they then said, they would get back to us. They never responded then to us. Since, XXXX we 'd been trying to Contact them, to no avail. No one would pick up or return our calls. I also, sent a check, check # XXXX in the amount of {$120.00}, since thats what was owed yet, cause they did n't receive the payoff until XXXX XXXX, 2015. With that payment, I sent a copy of the Cashiers Check stub. 
On, XXXX XXXX 2015, we receive a Certified letter stating we were in default of the mortgage, saying we were 4 months behind and owed {$3600.00}. plus interest, and they were going to begin foreclosure proceedings on the house if we do n't summit payment, within 30 days. 
I have all the paper work proving that we had sent the payoff in XXXX of the amount in the email, {$61000.00}, plus the {$120.00} and that they received it. 
I spoke to my bank about reissuing another check. The bank said, they could, but PHH mortgage needs to sign and notarize an Addendum Form, stating they lost the check. 
When speaking to PHH mortgage they sounded reluctant to fill out the form. With their track record, I do not trust or believe they will follow through with the Addendum and will continue to foreclose on the house. When I called on, XXXX XXXX, 2015, the man I spoke to in collections, was not only rude, but kept telling me my account was sent to him cause I refused to pay my mortgage. I explained this was incorrect because I had already paid off the mortgage and am not in default as they claim. He then spouted that I needed to speak with someone in customer service, cut me off and transferred me to them. In the Past Customer Service, claimed it was not their problem that they lost the check.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was a debt of {$1900.00} being reported by XXXX on my credit report it was removed in XX/XX/2016 under a company called XXXX now it is appearing back on my credit report under the name Solomon and Solomon for the same account that has already been removed. I have disputed this numerous times with the credit bureaus with no changes made. What can be done to correct this it is hurting my score. I 'm sure I 'm not the only one this has happened to. Is it legal under the FCRA.?

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 02/22/2018 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (MI).
Issue: Trouble during payment process

Complaint: On XX/XX/2018, I authorized XXXX XXXX to deduct my monthly mortgage payment from my bank account. On XX/XX/18, they deducted two payments from my account causing and overdraft. I contacted them about the error, I was told to provide screen shots of the double payments, which I did. When I advised them that I had non-sufficient fees accessed on my account they stated that they would refund the fees. I sent them screen shots and emails of the total NSF Fees of 58.85. 

Now I am being told that this information is not enough they need copies of my bank statements in order to refund my money. I advised them that they didn't need my bank statements to take money out of my account that they were not authorized to take. I am being given the run around, if they are doing this to me then they are doing it to thousands of others. I want them to return the NSF fees refund the same way the fees were caused and provide documentation to my bank and credit bureaus of their error. The are trying to send me a check in 15 days and then I have to try and get it cashed. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with EQUIFAX, INC. (WY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In XXXX 2016 my entire tax packet mailed by my CPA was stolen from the custody of the US Postal Service. I reported this theft to the Inspector General of the US Postal Service and received a case number. I requested a 7 year Extended Fraud Alert from Transunion, and they and Experian placed this on my credit report, and confirmed same in writing. Equifax has never responded in writing, been uncooperative, and has informed me that they only except a " Police Report '' or " FTC Fraud Affadavit ''. They do not recognize the IG Report for US Postal Service Mail Theft. I told Equifax this is ridiculous that they are the Law Enforcement Agency for Mail Theft. I provided a copy of this report, case number, both other Credit Bureau Letters that state they have accepted my request to place a 7 year Extended Fraud Alert on my wife, and my Credit Report. On XXXX XXXX, 2016 I spent over 1 hour talking to " Equifax , XXXX, XXXX XXXX ''. I was told no 7 year Extended Fraud Alert would be allowed because the US Postal Service Theft Report is not a Police Report. Equifax was looking at the completed explanation letters, Equifax Information form, Theft Report, and copies of photo id, Social Security Card for identification they requested. All these documents were scanned into their system and available for the Fraud Department to review. I sent all this to them by US Postal Service Priority Mail for myself and my wife. Equifax , XXXX said you can not send in a husband and wife notice in one mailing by Equifax Policy, and no action was taken on my wife 's signed affidavit. XXXX said no one responded to my wife 's request because this is against Equifax Policy if a husband and wife send in a letter in the same mailing. The letters we sent included both of our Copy of Drivers License, Copy of SS Card, Copy of Joint Banking Statement, Equifax Form required for 7 year Extended Fraud Alert, and ( XXXX ) other Credit Bureaus saying we have a 7 year Extended Fraud Alert on our Credit Reports. What more does Equifax need? Now they want us to resubmit in separate mailings yet they have chosen to never respond in writing once to my consumer request for assistance with MY CREDIT REPORT. XXXX and XXXX have no problem writing to me as a consumer. XXXX said my wife would have to call in to file a dispute. My wife called " XXXX, XXXX Department '' on XXXX/XXXX/2016. XXXX provided a new confirmation case number XXXX, and she said once again the IG US Postal Service Theft Report does not qualify as a Police Report, and told my wife she would need to go get a Police Report. Who is running the Fraud Department at Equifax? Please help us with Equifax because they are being unreasonable, and unresponsive?

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (Medical debt) with Harris & Harris, Ltd. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX, I had a medical procedure carried out at XXXX XXXX XXXX ( XXXX XXXX ), XXXX, XXXX by a doctor from XXXX XXXX XXXX and disputed the massive bills received, without response them. So I lodged a complaint with the XXXX AG 's office as I resided in that state at the time. In early XX/XX/XXXX I moved to XXXX so the AG transferred my complaint to the XXXX AG. For the purposes of this complaint, XXXX XXXX billed me on XX/XX/XXXX for {$5400.00} with a due date of XX/XX/XXXX. I received this bill on the same day I received a Delinquency Notice from Harris & Harris , Ltd of Illinois for {$6200.00}, made up of the {$5400.00} amount mentioned and an earlier claim for {$800.00}, which was subject to my original complaint.

So, either XXXX XXXX transferred a debt to Harris & Harris that had not reached its due date, or Harris & Harris are trying to scam me for a debt that is not owed and which is subject to an AG investigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Started many programs with Navient to which each year something changes. This time was n't aware the income based repayment program had to be renewed each year. Now they 're telling me that I have to add {$420.00} dollars in interest more to my loan in order to forbearance or it takes 15 days for them to renew my terms. I 'm not trying to keep sending my information every year, I 'm frustrated and want to hurry up pay off my loan. I 'm tired of paying fees and paying for these loans and they are not going anywhere, just seems like they are adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NE).
Issue: Deposits and withdrawals

Complaint: My husband, has his own XXXX and his business account is through Wells Fargo. XXXX of his tenants was behind several months on rent and allegedly stole XXXX her grandmothers Wells Fargo convenience checks to pay her past due amount of {$2500.00}. My husband deposited this amount into his Wells Fargo Business account when it was received. He paid the owners of the property for the amount of {$2500.00}. In XXXX this amount was deducted by Wells Fargo from his business account because the grandmother claimed fraud on this convenience check that was written to my husbands XXXX company by her granddaughter. I do not understand that after a check " clears '' that Wells Fargo is able to come back months later and deduct this amount. I am now a victim of this as this amount of {$2500.00} is being deducted from our personal account. The only way Wells Fargo would have had access to taking this money out of our account is by a matter of convenience that we also have our accounts there. Wells Fargo should be held accountable for clearing this check!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus ( TRANSUNION. XXXX XXXX ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on XXXX   went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and XXXX put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call XXXX about my credit? Now XXXX  has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! TRANSUNION has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. XXXX don't give a XXXX  they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX  with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great XXXX  who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And XXXX well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness

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 01/13/2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (DC).
Issue: Deposits and withdrawals

Complaint: I have a line of credit with PHC Bank and on XXXX XXXX, i went on line and submitted a {$300.00} payment from my checking account to my XXXX line of credit. I made a mistake and submitted to an account ending in XXXX. I called the bank on XXXX XXXX and was told that yes they received the payment and it was posted to loan account XXXX and it would take XXXX working days to make the correction and redirect the payment to my visa line of credit. I have called several times and was told they could not find an account ending in XXXX. I called again today and after speaking to the credit department loan department and someone in customer service I was told that it would take 10 days for them to research, find the payment and credit to my lline of credit. I told them this would probably cause them to charge me additional late fee and interest on the payment. They indicated that since it was my fault by posting to the wrong account that if extra fees were charged that was my problem. I then stated that I sent the payment XXXX XXXX and the payment was not due until XXXX XXXX that even though it was posted to the wrong account why would it take so long to correct to the proper account which is the line of credit. I asked was it because they can not locate the XXXX account where they said it was posted. I feel that I am getting the run-around and they can not locate the {$300.00} payment now even though I was told that it was posted to XXXX and now they say they can not find an account ending in XXXX Need your help in resolving this issue. Thanks XXXX XXXX My desired resolution is for PNC to locate {$300.00} payment, post to my account and not charge additional interest or late fee as I did get the payment to them on time and they should be more careful in looking at account numbers they should have realized that loan number XXXX had been closed for years so why post a payment to this account.

Company response to consumer: Closed
Consumer complaint received 01-08-2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I accidentally clicked on what I thought was a Pay Pal fast pay option that signed me up for Pay Pal credit. 
I attempted to remove it on line but you can not. 
I had to call and have the account removed, the whole process felt it was designed to deceive the consumer, and it was not easy to cancel the credit Even though I cancelled the credit within 24 hours, there was a hard enquirer on my credit report.

Company response to consumer: Closed with explanation