milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: I worked with a real estate agent in XXXX KS who helped me buy a house which ended up needing a structural engineer and an inspector to pass for the loan, the inspector said NO, the engineer said yes, but the house has significant structural damage and excessive repairs that exceed the loan amount. Ive never lived in the home for 8 yr but paid on it. Asked XXXX to buy back loan within XXXX of loan they agreed but never did. I am on XXXX and house is uninhabitable and was lied to from real estate agent to engineer to XXXX, the loan was sold to XXXX XXXX XXXX who would not listen, now its with Penny Mac.I 'm facing XXXX. No mechanic, inspector, or the like will work on the home due to the liability. Attorneys and everyone is afraid of the costs, I just want my loan money back and my good credit restored. I am homeless, this should never have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Closing on a mortgage

Complaint: My wife XXXX and I requested a Loan Mod through Nationstar Mortgage Loan number XXXX in XXXX. We had a fixed rate FHA Loan at the time we requested the Loan Mod. Due to limited communication from Nationstar during the approval process of the Loan Mod which took Several months to approve we did n't know until we received paperwork to sign indicating there was an XXXX baloon payment being added. Out of desperation due to my wife being unemployed we accepted it. We felt that if we sold our home are Refinanced it the Baloon note would be included as part of our total payoff. We refinanced our Mortgage with XXXX XXXX in XXXX XXXX and received a Conventional loan, Loan. number XXXX. We were excited as we requested a Cash out Reference to take care of some home improvements. In XXXX XXXX we received a collection notice letter from XXXX XXXX with HUD regarding repayment of the XXXX balloon note. We also received a collection notice from US Dept of Housing attempting to collect debt. On XX/XX/XXXX I spoke with a Supervisor with Nationstar Mortgage now known as XXXX who provided me a paid in full letter to provide HUD and insisting the XXXX balloon not was a part of the Payoff and we owe nothing. I had to leave a message with XXXX XXXX with HUD XX/XX/XXXX asking her to contact us so we can provide the Paid in full letter provided by Nationstar Mortgage. Her voicemail stated she will be out of the office until Monday XX/XX/XXXX. Thus far HUD has reported this to the Credit Bureaus thus ruining our Credit and are threatening wage garnishment which will destroy our Finances as well. My wife was rescently hospitalized in XXXX with XXXX problems and has accrued a large amount of Debt from that. Any assistance you can provide in this matter would be greatly appreciated. Sincere thanks, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TxXXXX. My number XXXX, XXXX 's number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: IN XX/XX/2016 WE STARTED A RE-FFI WITH XXXX. WE WWERE TOLD THAT WE DID NOT NEED TO MAKE THE XXXX PAYMENT. THEN ON XXXX XXXX CALLED AND SAID THERE WWAS A PROBLEM AND WE NEEDED TO PAY XXXX MORTGAGE PLUS THE LATE FEES ... .HHE SAID HE WOULD REIMBURSE US XXXX WE DID NOT NEED TO MAKE A XXXX PAYMENT. WE GOT LETTR FROM XXXX SAYING NEW MORTGAGE HOLDER EECTIVE XX/XX/2016 WOULD BE SPECIALIZED LOAN SERVICING WTH ACCT XXXX. SO WE SET UP SLS ON AUTOMATIC PAYMENT WITH THE PREVIOUS NAMED ACCT NUMBER. XX/XX/XXXX WE RECEIVED A LETTER FROM XXXX THAT THEY ARE OUR NEW SERVICER WITH THE ABOVE MENTIONED ACCT XXXX. WE TALKED TO XXXX 4 TIMES. PAYMENT FROM LSL HAS NOT BEEN SENT TO THEM. WE HAVE RECEIVED 3 LETTERS FROM XXXX AND XXXX PHONE CALLS SAYING WE ARE LATE. SLS HAS OUR MONEY. XXXX SAYS THAT THEY CA N'T FIND THE MONEY. WELLL DAHHHHHH ... ..SLS HAS IT AND THEY WONT GIVE IT BACK. 
SO AS OF RIGHT NOW : WE OWE {$2700.00} PLUS NOW OUR TAXES ARE LATE BECAUSE NO ONE HAS OUR MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted a package as requested prior to the seven day cutoff to review my loan for modification to Nationstar. They have confirmed receipt of the package and can only tell me that my loan is in review with the underwriter but have not placed a hold on the sale date of XXXX. I asked when I should expect the file be reviewed and they stated " within 30 days '' per XXXX ID # : XXXX. 

This is after my sale date that is scheduled. How am I supposed to plan for my future and living arrangements if I can not get a review done in a reasonable time frame?

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Lost my card and there was unauthorized charge of {$500.00} from XXXX. Issuer denied my claim due to similar charges I had on it before. I buy giftcards at XXXX every month and pay my bills every month. So why will I suddenly make a fraud claim for that charge?

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 01/20/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My debit card was skimmed somewhere in XXXX Florida, I had contacted the bank when I noticed the activity, but they were quick to only take 3 of the charges, I had to complain and have them do the rest of them, now in mean time i overhear the same thing with a neighbor how there card has been used and it was also still in her purse, so we both got talking and come to find out a machine at the bank had a skimmer on it, which allowed them to obtain our information, the bank refused to give my money back and has taken off the contact option online for me to deal with them, under my aggreement they are liable for that and the other claims and yet are very quick to deny any fault, but when two months before I hit the wrong pin code they locked my card and gave me nothing but a hastle, and also at that time i changed my address which they did not do as well all this activity was not my spending habits, and they said that they do not have to contact me for anything and declined to pay my money back, this is unjust Bank of America is really bullying everyone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2016 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Lender is forcing a {$4000.00} flood policy which is increasing my payment by over $ XXXX/mo. Problem is ; i already have a flood policy and they acknowledged it. they are still demanding this new, much higher payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT EXPERIAN, XXXX, AND XXXX A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX.. ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXX THAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO XXXX, EXPERIAN  AND XXXX   XXXX I WAS DELINQUENT ON XX/XX/XXXX/ THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX. SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XX/XX/XXXX. ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED XXXX XXXX XXXX XXXX ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY EXPERIAN CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM XXXX XXXX XXXX XXXX XXXX AND ACCORDING TO EXPERIAN THEY COULD NOT USE THAT FOR MY DISPUTE. EXPERIAN DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR XXXX XXXX AND XXXX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY XXXX AND MY XXXX XXXX CREDIT 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 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX, 2016 I received notification from XXXX that XXXX accounts were being deleted from my credit report : XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX These XXXX were deleted from XXXX but they have yet to be deleted from my XXXX and Experian credit reports. They need to be deleted from those XXXX Credit Reporting Agencies. I have contacted both of them and they both, very rudely have told me that they do n't have notification to delete and if/when they do it can take up to 90 days.

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 09/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I refinanced XXXX of my XXXX loans through Navient. When the loan went through, the amount was larger than the the loan I was paying off, and the rest of that money went to the remaining loan and satisfied several months worth of payments. During this time they were accruing interest, and it was n't billed to me. It was only visible on the statement, not on the setup screen for payments on their website. So I had no idea I was being charged this amount of money for interest each month. So now, because I paid early payments for several months, I have to pay down nearly {$500.00} worth of interest before I can even pay towards my principal. It was nice of them to automatically decide for me to take the money and put it towards several monthly payments instead of making one payment toward the principal. And I had to hunt down a number through XXXX just to be able to talk to a human. All of their " main '' numbers are just there to force you to make a payment, and will not let you talk to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (FHA mortgage) with Brock & Scott, PLLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX XXXX house in front of assistant clerk XXXX XXXX XXXX XXXX XXXX Clerk of Courts ... acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under fed.statue 1692a ( 3 ) and the creditor under fed.statue 1692a ( 4 ). The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The assistant state court clerk allowed a debt collector fed.statue 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. Clerk also advocated on behalf of the debt collector that the proper procedure for mortgage " acceleration '' was proper without " proof of delivery '' I was denied proper consumer protection in regards to FDCPA statues.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo will not let you pay a mortgage off at any of it 's branches. You must call a number to get your payoff amount. Then you must ( " XXXX a check or wire the money to them " ) this is what I was told. I pushed back and they said If they took the interest out several days the payoff would change but I could mail the check. Now you mean to tell me they do n't have the ability to do this in branch. They accepted every other payment on my mortgage at the branch.

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 05/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When it came time for payment it would say it had been paid for on my Navient account. After 7 days they would then try to take the money out. My account would have money in on day it said it was done and paid for. Then they would overdraw my account 7 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: After the Equifax hack, I visited : https : //www.equifaxsecurity2017.com. The page reads : " See if your personal information is potentially impacted. 

To determine if your personal information may have been impacted by this incident, please follow the below steps : Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.
Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.
Regardless of whether your information may have been impacted, we will provide you the option to enroll in TrustedID Premier. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XX/XX/XXXX. 
CHECK POTENTIAL IMPACT Thank you for allowing us this opportunity to assist you. We appreciate your patience during this time. '' The page asks for last name and last 6 of SSN. Then it says : " Your enrollment date for TrustedID Premier is : XX/XX/XXXX Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process. '' The website says it would tell you how you were affected and give you an option to opt-in to TrustedID Premier. It does neither. 
False advertising and enrollment without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX XXXX, I attempted to withdraw money from my checking account at an ATM while I was out of town on vacation. The ATM rejected the transaction due to " Invalid PIN. '' I was concerned by this as I had not changed my PIN, and I was, as I still am, sure that it was being used correctly. I quickly looked into my banking records and did not see any suspicious activity or anything else to make me feel concern about the account status. <P/>I called Wells Fargo phone banking. As part of the identification process, the PIN is required. I was again notified of an invalid PIN. I spoke with a banker to inquire as to when my PIN was last changed or any other information that might help resolve the situation. This information was not available and the phone representative was unable to do anything to help me gain access to my accounts thru an ATM other than requesting a new PIN be mailed to my home address. This was not a timely solution. As a result of my inability to access my funds at an ATM, I used a cash advance service, which charged fees in excess of what I would have paid at an ATM, so I could access my funds in a timely manner. <P/>Once I returned to my home, I visited the my branch location on XXXX XXXX XXXX. I first visited the branch ATM where I was able to access my accounts and make a withdrawal with no issues using the same PIN as the day before. I then spoke to a banker about my concerns and what had happened. She asked me to swipe my ATM card at her station ( desk ) and validate my PIN ; her system notified that an invalid PIN had been entered. ( Please note that the same PIN has been used in all instances referenced here. ) After a number of conversations with different people in the branch and on the phone, the representative and Wells Fargo were thoroughly confused as to what had happened and why my PIN would be accepted in one instance but not another. The best they could tell me is that is was some kind of system glitch occurring and that I would need to reprogram my PIN in order to correct it for future use. <P/>I requested that the excessive fees that I was charged as a result of not being able to access my account at an ATM be refunded as these charges were a result of Wells Fargo " system glitches '' and would not have been incurred had I been able to access my accounts without issue. The total fees incurred as a result of these glitches is {$88.00}. <P/>The branch manager on duty ( XXXX XXXX ) refused to reimburse for these charged fees. In doing so, he cited that the fees originated at a casino and although the Wells Fargo system did not work as it should have, he was unwilling to assist because of what the funds were likely to be used to do based on the location of the withdrawal.

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 05/15/2015 about Debt collection (Payday loan) with Nationwide Intermediary Services llc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A representative from " Nationwide Intermiediary Services LLC '' called me at my place of employment when I was not there and spoke to XXXX of my co-workers telling her I was being sued and there is a case with the Superior Court and gave her case numbers and detailed information about this issue. 
I called her back the same day and she told me I was being sued and that the Superior Court was involved and had a case against me. She went on to tell me I could resolve the issue by paying this debt today. I took her info and told her I would need to call her back. 
My wife and I both spoke with her about an hour later on speaker phone and she repeated most of what she had told me in my previous conversation with her but also went on to say that I could do " jail time '' due to check fraud and a list of other reasons. She also stated we had to resolve it today and that it was the deadline and that they already had a case against me and they would win, that we were targets because of our income. 
We chose to make a payment ( we were scared ) but are concerned after reading online about the company she says she is representing in this matter, She stated that " XXXX XXXX XXXX '' is who she is representing but then there is also another company involved called XXXX XXXX XXXX. WHO ARE WE PAYING and why? 
We have been completely strong-armed into paying this huge amount of money solely out of fear because of the threats and the personal ( and false ) information communicated at my place of employment. We don ' know where to turn for help in this matter.

Company response to consumer: Closed with explanation