milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: When I spoke with Wells Fargo on XX/XX/XXXX they told me they had foreclosed on my home while I was in the middle of a refinance with a qualified co-signer. At that time they told me I had three options, One was to contact a Federal Program that Wells had declined to work with before, the second was to pay off the total amount I owed in arears, and lastly to re-apply for a modification with their re-entry department, which I did immediately on the phone Wells Fargo representative XXXX XXXX. 
XXXX informed me that all I needed to do was send them two pages of their modification application and that I would know within 3 days of their answer. 
In today 's mail, I received a letter from the XXXX County District Attorney about Foreclosure Fraud Alerts. I says that in fact my home was foreclosed on XX/XX/XXXX and that Wells can  not foreclose when I am in a modification process. 
Can I please get some help from this unscrupulous company who has refused to work with XXXX XXXX XXXX XXXX and XXXX even though I qualify for a modification, and they foreclosed on in the court, without notifying me, while I was in a modification process and all to short sell my property with over 600k in equity. 
Attached is the letter from the DA and my fax receipt of the modification papers with a stamped date. 
I am a XXXX woman with a XXXX child, please help.

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 06-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On  XXXX   XXXX ,   XXXX  , I became aware of a fraudulent transaction of {$87.00} charged to my debit card on  XXXX   XXXX  by  XXXX . I called my ban k ( Chase ) o n  XXXX   XXXX  to clear this up and was told that I would be given a temporary credit for said amount until an investigation was conducted. Today, on  XXXX   XXXX ,   XXXX  ,  Chase  decided to reverse the credit. I contacted the bank and the representative told me that  XXXX  provided my name and address and said that it was strong evidence that the transaction was legit. I feel that this is merely evidence that my information was stolen. I have never made a single purchase from  XXXX . Furthermore, I use my debit card daily for so many things and would not lie abou t this one transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac took my XXXX XXXX mortgage payment of {$1600.00} and applied it to late fees and then put the rest in escrow. Then they reported my mortgage as being 30 days late causing my credit score to drop XXXX points. When I called them on XXXX XXXX, XXXX, the rep I spoke to acknowledged what they did, apologized and said she would fix everything including reporting to the credit bureau that I was never late. All she said was I owed {$180.00} in late fees which I paid on the spot. I could hear her boss in the backroom agreeing with everything she was saying to me. The next day XXXX XXXX I paid my XXXX payment of {$1600.00}. That afternoon I started receiving calls that my mortgage was late and I called them back every time. They called on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and now today the XXXX. Every call was XXXX plus minutes long stating everything that was taking care of on the XXXX XXXX call. Everyday but today they have said oh ok, we will make a note of this and it will be fixed. With the exception of today, today the rep tells me, that the conversation never happened on the XXXX even thought I asked her several times to review the recording tapes and that I still owe {$1300.00} for XXXX payment. 
Obviously no one there knows what they are doing and as the customer I am getting the raw end of the deal. 
The women I am speaking too now is telling me I am wrong about everything and I owe an additional {$1300.00} before all this will be fixed. So now the payment I made for {$1600.00} for my XXXX payment was again applied to late fees. 

This company obviously does not know what they are doing and should not be handling my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan is held by Pennsylvania Higher Education Assistance Agency ( myfedloan.com ). On approximately XXXX XXXX, XXXX, I submitted an application under the XXXX program to have my loan terms reevaluated. I was informed that my application was approved approximately 30 days later, and the servicer would be issuing me a {$5.00} bill that once paid would then bring me out of the IBR program and into the XXXX program. As of XXXX XXXX, XXXX, my student loan servicer has not finalized my approval under the program or issued me the {$5.00} bill to allow me to opt out of my current income-based repayment program. When I have complained numerous times to them about the delay, they inform me that the process is slow because they have too many applications but they are doing their best they can with their resources. Thus, it has been nearly 90 days and Pennsylvania Higher Education Assistance Agency has not taken any concrete action on my application. Clearly, by Pennsylvania Higher Education Assistance Agency 's own admission, the federal government is contracting with them to service too many loans in excess of their capability.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting an inaccurate late payment on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am filing this complaint because XXXX, XXXX, and Experian, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent and XXXX XXXX XXXX continues to place me in collections for debts that are not mine. The are now claiming that I owe XXXX XXXX XXXX for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with Convergence or XXXX, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, Convergence turns things over to XXXX or XXXX of their other companies or, visa versa. At this time, Convergence is trying to collect for XXXX. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is Convergence Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On X/XX/17 at XXXX XXXX I contacted IC System for a debt they had in my name for XXXX XXXX XXXX in the amount of XXXX. The Rep gave me the amiunt and I asked what kind of deal wee could make t pay it. He said he was authorized to reduce it to 75 % of the debt resulting in XXXX. I agreed and gave him a check by phone. He told me I would be receiving a letter paying the debt off and they would report it as paid that weekend. The check cleared my bank on XX/XX/17 for the amount of XXXX on XX/XX/17 instead of the pay off letter I was expecting to receive in the mail I received a new bill for the amount he reduced my bill for. Under our agreement I paid this debt off and no longer owe them anything. I have tried contacting the company and I have now disputed the debt with the credit burues. IC System has broken our agreement of the debt being paid off and is reporting it as a negative account on my credit.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on XXXX and XXXX. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking Ford to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: I keep getting calls XXXX. There have been 7 calls made to my cell phone since XXXX/XXXX/17. I finally called them back today to find out who they are. The company is call XXXX and they are trying to collect and threaten me with saying the account is litigation from a debt from Providian Bank. That debt is over 10 years old and is out of the statute of limitations in Florida. When I told them that they proceeded to threaten me with taking me to court. When I ended the call they called me right back and the gentlemen on the phone was calling me a " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a credit card with XXXX. The credit limit was {$400.00} ; XXXX would not allow credit beyond {$400.00}. I honestly doubt that I had reached the credit limit when the account was closed. Never the less, Portfolio Recovery Associates is reporting that I owed a balance of {$690.00} on the account. They have failed to provide proof as to how my balance became {$300.00}. over the credit limit. Another issue I have with this company is that they are reporting this as an open account from XXXX ; when the truth is that this account was charged off in XXXX. 

I 've disputed this info with all three credit bureaus to no avail. XXXX, XXXX and XXXX is allowing Portfolio Recovery Associates to omit payment history and other pertinent info from the XXXX account which would clearly show that this debt arose in XXXX, not XXXX and the true balance. Because the agencies refuse to do a real investigation and require full/ accurate reporting, I decided to try to resolve my business with Portfolio Recovery Associates by making a settlement. 

Portfolio Recovery Associates and I agreed to settle the debt ; at which time, I paid {$380.00}, in XXXX XXXX. It was agreed that the {$380.00} dollars was the full and final payment of the debt. Notwithstanding our agreement, Portfolio Recovery Associates is still reporting the debt as an open account with a balance. XXXX credit bureau is still reporting a Balance of {$690.00} ; others are reporting a balance of {$310.00}. To add insult to injury, Portfolio Recovery Associate is reporting that balance as a " late/ missed payment. " I would like to know if it is legal to continue reporting that an account has late or missed payments when it has been charged off and settled for a lesser amount. 

I feel like this company has broken the law and the three credit bureaus have violated my rights under the fair reporting act. I can not let Portfolio Recovery Associates keep misrepresenting the nature, balance and time frame in which this debt occurred. Is there any way that you can send me a copy of the fair credit reporting act in its entirety? If I ca n't get any resolution here, I 'm going to have to take these people to court. They are purposely trying to destroy my credit with lies and no one is doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen mortgage tried to complete a modification with me for over 1 year. I was told not to make payments, or to make lowered payments for that timeframe. I completed paperwork over and over again, only to have the dates pushed back or them state paperwork was not complete, or still in review. Then, once the modification was completed, my mortgage was sold to XXXX and I started the loan with them " 2 months behind '' which I was not. I can not get either company to resolve the 2 months behind issue and my credit score has dropped to the lowest level. I can not check my account online with XXXX because they wo n't give me the security code to access my own account. I have fought this for 7 months with no resolutions. I paid a XXXX payment last month and still show 2 months behind. Escgrow account has gone negative and with no notice, they took money from my insurance company for my auto insurance. I can receive no help on the phone from either company and need resolution of the initial modification with Ocwen and the subsequent issues with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Texas Guaranteed (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: These accounts have been consolidated in XX/XX/2014. At no time was I contacted in writing by XXXX XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX   balance, and all in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than XXXX XXXX XXXX. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX XXXX  XXXX, is also reporting multiple loans as 120 days past due and these loans are older than 10 years. 

The United States Department of Education/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent verification to XXXX from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( XXXX ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received several phone calls over the last few weeks from this company claiming that I owe a debt for a utility bill of some sort. I asked why I was not served a letter saying that I had a right to dispute this debt before collection action was taken. The guy told me that they do n't send out letters like that only invoices and he thinks that it was stated somewhere on there that I could dispute it. I asked when would I get that letter since he was calling before I received any letter or invoice from them at all. He said not to worry about the letter and that he wanted to set up a payment for the alleged debt. I said never had XXXX for my utility he said sure you did and you owe the money, stop being a deadbeat and pay your bills. I hung up he called back 17 times in a row, and every day since at least 7 times. My XXXX year old daughter answered my phone a week ago and someone from this company asked for me and when she said I was unavailable he told her to tell me to get out of bed and get a job so I could pay my bills. I have sent a do not contact letter and it was ignored. I also sent a debt validation demand letter it also has not been answered. These are blatant and clear violations of the FDCPA, and the FCRA. They have not sent a dunning letter, they refuse to stop calling when I asked over the phone, they harassed me with multiple phone calls and terrorized my small child when she answered the phone. They refuse to validate the debt in any way, the 30 day time frame is now passed and yet they still call, and report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have previously disputed inquiries on my TransUnion report. They are refusing to remove the inquiries I disputed on CFPB Case number : XXXX. 

When I spoke to the specialist on the phone I inquired what I can do to prevent further inquiries from being done on my credit profile and a security freeze was recommended. I was going to proceed with the security freeze until she informed me that I had to pay {$10.00}. Per the TransUnion website any person who has been a victim of identity theft can have the fee waived. I 've sent several police reports to prove my identity theft and would like for the security freeze to be placed with no charge. 

In addition I would like all the inquiries I have disputed to be deleted or investigated. 

Inquiries disputed are : XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been a mortgage account holder with U.S. Bank since XXXX 2014. With each month 's payment I send an over-payment to be applied toward the principal, not a prepayment of future months ' bills. Per the bank 's various operators ' instruction, I have included a note to that effect with each payment and my account is noted in their computers that all over-payments should be applied solely to principal. 
However, every month the payment is misapplied as a future month 's payment instead of a reduction of principal. And I have to call U.S. Bank each month to request a correction. 
I consider this practice to be the bank 's blatant disregard for my payment instructions solely in an attempt to garner additional accrued interest on inaccurately large principal balances. This practice must cease, and should be investigated.

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