milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Credit decision / Underwriting

Complaint: I had applied to Wells Fargo for a refinance of my current mortgage, held by Wells Fargo. I have been in my home for 15 years and am current on my payments. I was very open about my situation, XXXX years old, XXXX veteran, looking at retirement soon, I have lost XXXX jobs in the past 10 years due to our economy and am very much trying to keep my home and prepare as best I can for retirement. 

I have been working with XXXX XXXX XXXX of a local Wells Fargo branch, and we were on the verge of setting a date for the refinance closing. I received and email from XXXX stating that Wells Fargo had told him that the VA had just changed their guidelines and that as I had been late in one payment that they, the VA, would not authorize a refinance of my mortgage. I called the VA directly and spoke with a young lady named XXXX. XXXX was not aware of this restriction and explicitly stated that the VA wanted to help veterans keep their homes and be in the best financial position possible. When I informed various people of my conversation with the VA, Wells Fargo changed their reason for not being able to refinance my mortgage due to requirements imposed upon them by the Consumer Finance Protection Bureau. Like many Americans I am basically living week by week and the savings I would realize by being granted a refinance would be extremely meaningful. My local Wells Fargo rep would like to move along with the refinance, but Wells Fargo Corporate is telling him he can not. I have spoken/communicated with the following Wells Fargo staff : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

During the course of various conversations I have inferred that if I did not make payments for 3 months or more that there were Government Programs I could take advantage of. I do not want to get behind in my payments, I would just like to get some relief thru a refinance at a lower rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Student loan (Non-federal student loan) with AES/PHEAA (AZ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out private loans through the lending institution American Education Services/National Collegiate Trust back in 2006, while I was an XXXX student at XXXX XXXX XXXX University in XXXX XXXX, CA. The initial amount of the loans was approximately {$57000.00} ( current remaining balance is approximately {$46000.00} ). The loans remained in a deferred status during the remaining part of my education as an XXXX student at XXXX and throughout my XXXX education at XXXX University in XXXX, PA. Upon graduating from XXXX school, the loans qualified for the 6 month grace period. Although I was employed within 6 months of graduation, I requested several consecutive deferment and forbearance periods due to the fact that my total salary was not sufficient to make minimum payments while supporting a family of XXXX. I have XXXX children, and at the time, I was married, and my spouse was unemployed. Upon finally entering repayment, my original minimum payments were approximately $ XXXX/month. After my spouse returned to full-time employment, this was a payment that our family could afford without being placed into a financial hardship type of situation. However, after 6 months, AES notified me that they were going to be ballooning my minimum monthly payment to over $ XXXX/month ( approximately $ XXXX/month ). I was very clear with AES that, if they took this action on my loans, this would certainly pose a financial hardship for my family, as we could not afford that amount for a minimum payment. AES persisted in taking this action anyhow, and my private loans subsequently entered default status. I continued to make the $ XXXX monthly payment even after my loans entered a default status to show that I was making a good faith effort to repay my loans. This action did nothing, however, to prevent or reverse the status of my loans going into default. I had not been in a financial position to repay the loans for quite some time post-graduation from school, and when I finally got to a point where I could repay my loans, AES only accepted 6 months worth of payments before ballooning my minimum payments. AES was not in any way concerned about impacting my credit and sending the loans into a default status. This has had an incredible impact on me and my family, personally, as now I am divorced and was allocated ALL of my student debt in the final divorce settlement ( this amount totals over {$200000.00} as it includes BOTH my private and federal student loans ), and financially, as the consequences to my credit means that I have a difficult time qualifying for purchases I may need to make in the future, such as purchasing a home or a vehicle. These loans are currently being managed by a collections agency, and the loans have been turned over several times to several different collections agencies since entering default.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Medical) with Account Management Resources (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ACCOUNT MANAGEMENT RESOURCES ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ACCOUNT MANAGEMENT RESOURCES or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ACCOUNT MANAGEMENT RESOURCESor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been in constant contact with Experian about these accounts listed below and when i send in a dispute telling them to correct certain errors they tell me that they will not investigate because they do not have to. The errors were clear as day but they refused to help me. Here are the accounts that i disputed previously to where i was denied to dispute any issue with the account after sending in new reasons for the dispute after the asked me too and i was still denied to dispute with them. So now these inaccurate accounts make me look bad and its not my fault. 
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 non-monetary relief
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Even though Navient set, mandatory monthly interest payments have been paid, my total repayment amount has increased due to massive interest increases. My repayment went from {$45000.00} to {$52000.00} in a year. How can this happen? I 'll never be able to have a life. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX card Account Number : XXXX XXXX card Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine

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 07-11-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (TN).
Issue: Trouble during payment process

Complaint: LoanCare transferred my loan to XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. A mistake was made in regard to my account by LoanCare at that time. The issue is that prior to LoanCare passing my loan to XXXX in XXXX XXXX, LoanCare paid {$1400.00} in county taxes out of my escrow account thus sending my loan to XXXX with a negative escrow of - {$990.00}. However, my county taxes were not paid, LoanCare paid the wrong amount to the wrong account. My county taxes are {$560.00} and were paid by XXXX in XXXX XXXX ( along with a {$25.00} late penalty ) after I alerted them to the fact that my county taxes were not paid. In the meantime, I have received a notice from XXXX saying I owe {$1700.00} in escrow shortage and my mortgage is being raised by {$150.00} a month. The problem is that I do not owe this money. The escrow shortage was caused by a mistake on LoanCares part and by a complete lack of due diligence and follow-up from both LoanCare and of XXXX.
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I have sent two letters to XXXX, one letter to to LoanCare and two certified letters to both LoanCare and XXXX. The letters detailed what happened and I proved CLEAR documentation of the issue. I have also made numerous phone calls to both companies. XXXX keeps saying there is nothing they can do and " it 's my problem, '' LoanCare keeps saying they " are looking into in. '' Additionally, LoanCare has advised me on several calls that they will be calling me tomorrow but they do n't call. It is now XXXX XXXX  and this has been going on since mid-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 02/22/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It Made Concern, This issue is concerning, ( CMS ) " Carrington Mortgage Services. '' In the beginning of XX/XX/2017, I requested that the FHA mortgage insurance premium ( MIP ) to be removed from my monthly payment due qualifying for its removal under Federal Guidelines. CMS responded to my written request on XX/XX/2017, with approval to my request. Although in their correspondence, they stated the payment would be adjusted accordingly, I feel the adjustment is rather-tardy and with XX/XX/2017 payment approaching ( 2 ) two months over due. My property taxes and property insurance premium are unchanged so I feel this issue should be expedited and not delayed. I only receive ( 15 ) fifteen days grace before {$94.00} dollars is added to my monthly mortgage payment, so a short grace should be exercised also. Further, I refuse to have the extra {$180.00} dollars added to the required Escrow Account for the disbursement ( taxes/insurance ) unless I 'm going to receive an agreed upon documented interest rate on the extra funds ; which will not happen. ( CMS ) please expedite the adjustment of my monthly mortgage payment from {$2300.00}. Lastly, I attempted to contact ( CMS ) Customer Services several times via XXXX only to receive PRE-RECORED VOICEMAIL which stated sorry busy right now call back later. Hopefully, ( CMS ) can rectify these issues sooner then later promoting a better working relationship with consumer base. Documents submitted for perusal.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Navient has  started to call me upwards of 5 times per day in the last week. They refuse to leave voicemail 's and reference what they would like to speak about, they call only during hours when I am at work, and they continue to call to the point of harassment, not allowing me sufficient time to return the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.

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 01/14/2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX between the hours of XXXX and XXXX I went to First National Bank located in XXXX XXXX , PA to close my savings account, after contacted them in the past by phone they indicated me that I must be in person to any branch in order to close the account. Around XXXX they made an automatic transaction to my savings account with I asked to close in the afternoon, I call them nex day XXXX XXXX to clarify why they made the transaction and overdraft my account and charge {$37.00} fee, if I was in person and with time the day before in the bank to closed the savings and avoid this situation. They give a number to contact a supervisor XXXX XXXX this person never spoke with and someone told me he contact you and he never call me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (SC).
Issue: Managing the loan or lease

Complaint: My vehicle was paid off by the at fault driver 's insurance company following an automobile accident on XXXX XXXX. An overage is due to be refunded to me, as my account balance was paid in full. I have made repeat phone calls to Exeter Finance regarding money they owe me, approximately XXXX. Every time i call, they are reviewing it. A payoff amount and warranty refund was sent over 2 weeks ago, XXXX XXXX, 2016. To date, it 's still being reviewed by a department that no one can speak with. My account is still open and showing that i owe them. They keep assuring me all is fine. It is not until i receive my overage check, my account is closed, and reported to the credit bureaus as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion has several inquiries on my report that were not authorized by me and the result of identity theft/fraud. I reached out to Transunion at least three times over the course of the past few weeks to no avail. 

Typically Transunion always responds and states that I have never reached out to them, bu this is not true. Please see my most recent attached copy of the letter that was sent to Transunion, along with a copy of my police reports of ID theft.

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I viewed my credit reports 60 days ago. There is a paid charge off account for {$7800.00} from a company called XXXX XXXX XXXX. I do n't remember having an account with a XXXX XXXX XXXX, and have not sent them a dime, let alone {$7800.00}. So I googled XXXX XXXX XXXX address, I sent them a certified letter letter on XX/XX/XXXX it was delivered XX/XX/XXXX. In the letter I requested copies of the original signed dated contract, with my signature, to show proof I have an account with them. I gave them 30 days from receipt of the letter to send the requested documentation. They have not sent me anything. I want this erroneous account removed from my credit report. What I read in the Fair Credit Reporting Act, the alleged creditor had 30 days to send the requested documents, if they ca n't or do n't, then this is considered an unverified account and must be deleted from my credit reports. It has been over 30 days and XXXX XXXX XXXX has not sent me any documents, as proof that they have the right to place this alleged account on my credit reports. Please make XXXX XXXX XXXX removed this erroneous account from my credit report. The account number listed is 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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Filed a dispute with XXXX asking for verification of accounts on credit report, I received a letter stating the accounts were verified and when sent a second letter asking for results from verification ie : who was it verified with, name of persons that verified the information. nothing was provided back besides a letter stating it was verified and would not pursue further. Transunion removed/deleted a collections account from my credit report and without any notification stating it would be added back on or anything else the att collection was added back under XXXX for {$1400.00} XXXX XXXX XXXX has been asked for verification on debt owed and HIPPA letters has been sent to them and it has been more than 30 days and they have not sent anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I had my loan down to about XXXX and nationstar put forced insurance on me for XXXX doubling my loan, i faxed them copies of my existing insurance neverresponded, that was in XXXX now in XXXX they are adding forced insurance again of XXXX they now say I owe them XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX, I made a payment to Wells Fargo Home Mortgage for {$3000.00} to cover XXXX payments and XXXX late fees. Wells Fargo Home Mortgage has not given me the credit for paying the late fees. I have contacted Wells Fargo Home Mortgage XXXX and each time I am told they will credit the XXXX late fees as paid but it never happens. I would also like to have a typed separate break down of how much was credited to the principle for this loan for XXXX XXXX and XXXX. I am not requesting a payment history from Wells Fargo Home Mortgage because it is a lot of job control information for employees of Wells Fargo and is hard to determine the exact amount.I am requesting for Wells Fargo Home Mortgage to review my payment history and just only give me a direct typed response of how much principle I paid on this loan in the year of XXXX, XXXX and XXXX and the interest rate. Please also for each of these years list each years typed total principle separate for my review. Please also send me a copy of all escrow disclosures for this loan. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: collector seized my checking account without notice or hearing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation