milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: i just found out that my name was primary on mortgage loan for at XXXX XXXX XXXX, XXXX, SC with Owcen Financial Corporation that was awarded to my es wife. A Quick Claim Deed was to be record with the divorce agreement, which give her ownership of property 100 %. This property went into foreclosure this month XXXX XXXX, 2015 after being 9 months in rear. 9 months ago my ex wife purchase another property. Her Loan to Value ratio would allow her to purchase another property with debt of the first property. After talk with XXXX, i was the point of contact for first property but. I dont own the property anymore. I strong believe that my signature is on document release her from debt to purchase another property and clear her from the first property. I have made complaint with SC XXXX XXXX XXXX XXXX, I have inform the Fraud Department at Owcen and XXXX XXXX XXXX, LLC of my concern due to Quick Claim Deed not being filed, record and attach to note. There has been some Fraud in the purchase and with debt being left on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Quick recap of the past year, we have a MTG thru Wells Fargo, I lost my job a year ago and started a new job. Things were slow to start so we got behind on our pmts. We were trying to do a loan modification recently and then hurricane XXXX came XXXX XXXX and hit our home hard. We had between XXXX and XXXX feet of water thru our entire home. We have flood ins, and the adjusters came n did their thing and we 've already received XXXX smaller checks to start fixing our home. I took the checks to Wells Fargo since the check is made out to myself and them. They refused to cash the checks, reason being they want to make sure we spend the money appropriately. We was told they 'd send us a packet ( we still have not received the packet ) we have to fill out and sign the checks over to them. After they approve what we 're doing with the money, they 'll disburse the funds in increments and it 'll take an additional 3-4 weeks before we even get any of the money to get. We was told we could also request an emergency approval for the funds due to our circumstances. On XXXX XXXX, We filed for the release of the funds and was told we 'd have an answer within 3-4 business days. On Fri XXXX XXXX, I called and was told the request had been denied but we could refile, so we did, which was also denied. Now thru this whole process, we ( myself and my fiance that resides with me ) were both calling Wells Fargo daily and numerous times, which entailed being on the phone anywhere from 30 min to 2 hours and conveniently being disconnected by them numerous times and many transfers. At this point, we have a hole in our roof, have no refrigerator, no stove, or hot water tank heats to give us about 5 min of hot water ( just had a plumber here seeing if we changed the element would help and he tried but our tank is ruined from being in the much water and all the stuff that got inside & was informed it will stop working soon ) and to top it all off, on Mon XXXX XXXX, we started visibly seeing mold growing in our kitchen. We are trying to do everything we can to make do until get the money to do things right. We have nowhere to go so we have to stay here. We are both starting to notice symptoms of being exposed to mold ( my fiance has a XXXX ). We have begged and pleaded for any kind of help to get this cashed so we can start to put our house and our lives back together again and Wells Fargo just does n't care and refuses to help us. We have used all of our funds just to continue daily living.

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 03/21/2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a call in XX/XX/XXXX from my mortgage company, claiming I did n't make a payment, however I was able to show proof that the payment was made and an investigation within the bank was initiated. Over the weekend I received another call claiming that my mortgage payment for XX/XX/XXXX was past due, and had to explain that an investigation was already underway. From what the representative told me on the phone, she shows that all payments have been received, and not sure why there is an issue, and that my " late '' payments are now impacting my credit score.

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 07/22/2016 about Mortgage (VA mortgage) with WESTERN UNION COMPANY, THE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016, I received a letter from my mortgage company, XXXX XXXX, that they would stop using XXXX XXXX for processing of their accounts starting XXXX XXXX 2016. From XXXX to XXXX, XXXX XXXX, continued to withdraw money from my account electronically through ACH. I phoned XXXX on XXXX XXXX with no contact with a representative. On XXXX XXXX, which a representatives " XXXX '' said it was the fault of XXXX XXXX, who is a third party in which XXXX XXXX used. On XXXX XXXX, I phoned XXXX XXXX and canceled my program with them, receiving the confirmation number of XXXX. My bank XXXX started a dispute with XXXX, XXXX, in which XXXX XXXX finished them a copy ( which I do not have nor been given ) of my authorization for withdrawal. On XXXX XXXX, XXXX XXXX withdrew another {$1300.00} from my account through ACH. I phoned XXXX, whose representatives reached XXXX XXXX ( after dialing XXXX nonworking customer service numbers ). We spoke with XXXX, agent # XXXX, who again tried to push it off as an XXXX XXXX problem. XXXX tells me I need to provide proof that payment was actually received on their end through providing several documents and then their accounting division will " research '' the problem. This seems very unlawful as I do not, nor ever have, had a loan with XXXX XXXX and as of XXXX XXXX 2016, my mortgage company ceased to operate with XXXX. Therefore any authorization on my behalf to submit payments to XXXX XXXX would be null and void based on the fact that XXXX does not service loans with XXXX XXXX. XXXX XXXX is not receiving the payments from XXXX XXXX. On XXXX XXXX, I phoned XXXX XXXX to confirm they closed my account with them as requested on XXXX XXXX. I spoke with XXXX who tells me I owe XXXX XXXX over {$2000.00} because they reversed the payments and supervisor XXXX, acknowledged that the company unlawfully accessed my account on XXXX XXXX to recoup the funds. I never gave them verbal or written access to my account. Thus, BOTH companies are conducting themselves in unethical ways by withdrawing money using ACH under different company names and accessing accounts without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). 
This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. 
I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened a XXXX credit card with Comenity bank in XXXX XXXX. Since opening I made two purchases on the card. The first payment for {$120.00} was made on time. They did not give me an option to sign up for automatic payments so I had to manually make the payment. 

I made a second purchase for {$29.00} on XXXX/XXXX/XXXX. I assumed the account was on autopay and did n't check to make sure the bill was paid. They had sent me emails but I did n't check them. I got a call from them on XXXX/XXXX/XXXX asking me to pay all outstanding balance. I told them I missed the payment assuming it was on autopay and asked if they can reverse the late fee of {$29.00} XXXX at this point my payment was {$29.00} purchase + {$29.00} late fee ). They responded rudely and said they 'll report the account as " not intending to make a payment ''. I was frustrated with the experience but I paid off all outstanding balance XXXX {$58.00} online payment ) and closed the account. 

I received an email on XXXX saying there is a balance of {$34.00} on the account. When I checked, I see a new late fee charged on XXXX for {$32.00} and another {$2.00} fee on XXXX. All this had been charged after I paid all outstanding balance on XXXX. I called them today and they said I need to pay all outstanding fees otherwise they will continue to charge me more fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax lost all my information and is not being helpful.They sent me a letter telling me my address was changed and I did not change it. Gave me a XXXX number to call and it was in the XXXX!!! I do n't want to talk to someone in the XXXX about my social security number and credit info that Equifax lost do to there data breach!! Then to be asked to have to pay to put a credit freeze on my accounts with the other agency 's is a insult as is the one year credit monitoring as this is a life long loss my social security number, birth date, credit cards. address and license number id for life not one year and I would never use that companies monitoring service as they have proven they cant be trusted with personal information!! I work in a industry and have to keep personal information safe and if I do n't for every peace of information that gets out its a {$10000.00} dollar fine!! Why are n't they held to the same standards!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (I do not know) with FMA Alliance, Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are calling for my ex-wife, whatever debts she has have nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Consumer Loan (Pawn loan) with PNC Bank N.A. (OH).
Issue: Applied for loan/did not receive money

Complaint: In XXXX XXXX, I received written notice that the Home Equity Line of Credit currently held by me would expire on XXXX XXXX and I was given several choices concerning the loan. I chose to refinance the loan and began steps to do so as outlined by PNC Bank. After several attempts to comply with the bank 's request for information in a timely manner, all documents were submitted as requested, however, I began to sense my application would be denied because XXXX of their request was unreasonable ( they asked for a copy of my income tax for the year XXXX, specifically Schedule XXXX, though I did in fact obtain an official transcript from the IRS and presented it to PNC Bank, they would not accept it as what they needed even though the document came from the IRS and it was clearly stated on the form that the document was suitable for mortgage purposes! By now we are into XXXX so the request was made that I be allowed to use my XXXX taxes which was finally accepted by PNC Bank. In a letter dated XXXX/XXXX/XXXX I was informed that my application to refinance the line of credit was denied due to : '' Insufficient down payment and/or equity in collateral in addition to information based in whole or part from an outside source ... ... I am personally aware that PNC Bank has denied credit/mortgage loan to another XXXX couple when it appears there was no real basis for that denial other than potential discrimination, their names and other information can be submitted upon request. I believe I am a victim of racial discrimination/unfair lending practice. PNC Bank did a Property Valuation Report and within the report under Market Sales and Trends my home was compared to several others homes, my home is a tri-level but was compared to XXXX ( XXXX ) story dwellings, I know that on a scale of '' risk in lending '' from XXXX I am a XXXX risk, my credit score from XXXX ( which PNC used is XXXX ) and the property valuation plainly states the report they submitted is not a real estate appraisal, evaluation or similar documentation of the subject property ( XXXX ) .In addition, in late winter of XXXX, I had listed the property for sale with XXXX and soon thereafter received a written offer to purchase my home for {$100000.00} and when I rejected that offer another offer was made at $ XXXX.I rejected both offers because I realized I was not ready to sale my home and withdrew my home from the market. Surely no home declines that much in value in less than a year! It appears that the XXXX area has been redlined as it is a predominantly XXXX area and I believe this has played a big part, in addition to me being a XXXX female, to PNC Bank declining to refinance the line of credit I currently have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was offered a settlement amout of {$700.00} on a bill in the amout of {$1000.00} from XXXX XXXX, phone numXXXX, which I paid on XX/XX/XXXX. I have called them on these dates:XX/XX/XXXX, spoke with XXXX XXXX,XX/XX/XXXX, spoke with XXXX XXXX/XX/XX/XXXX, spoke with XXXX XXXX & XXXX XXXX XX/XX/XXXX spoke with XXXX XXXXXX/XX/XXXX spike with XXXX XXXX, XXXX spoke with XXXX XXXX XXXX they have all told me that I will be receiving my receipt for my.settlement payment of {$700.00}. To date I have receuved nothing but a bill for the remaining balance from XXXX XXXX ( which was their client ), that was the bill I owed to XXXX XXXX. All I keep getting is the runaround every time I call. I have also called XXXX XXXX and again I am getting no where. I 've been told by Convergent that the letter has been expedited and emailed to me. Every time I call I am being told give it 7 more business days. Can you PLEASE help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been paying on my student loan serviced my Sallie Mae since I began gainful employment. I have been paying the minimum amount, but numerous late feed were added to the account and they will not work with me on adjusting the amount, although I am making monthly payments. Therefore, I receive up to XXXX ( XXXX ) phone calls per day. Initially, I would attempt to discuss the late fees that had been assessed but received no assistance. I was told repeatedly by XXXX of the collectors " Pay yo bill, pay yo bill, pay yo bill ''. After that incident, I quit answering the phone. 
I am attempting to pay all of my student loans in a timely manner. Sallie Mae is the XXXX organization that will not work with me whatsoever and repeatedly call me everyday from XXXX to XXXX. Any resolve you could offer or assistance in how I should approach this organization would be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been unable to pull my Equifax file either from commercial sites or XXXX 
I have also been denied credit due to the inability to pull my Equifax file to my detriment. 
I can not dispute my file online with Equifax because they have incorrect information on me and I can not begin until they correct it which they have not. 
I have spent many hours on the phone with Equifax , and have mailed the requested identity verification documents to Equifax without success. 
Please check carefully there is NO SPLIT FILE, and my date of birth and address is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX called to say if i paid of my debt within a certain time frame that American express would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my american express account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (PA).
Issue: Taking out the loan or lease

Complaint: I financed an auto loan through my local XXXX dealer. I had automatic payments taken from my checking account each month ; the checks were taken by " JP Morgan Chase '' for the auto loan. XX/XX/2017 I received a letter from XXXX XXXX XXXX stating that I should make the final payment on the loan by check. I did send a check to XXXX XXXX XXXX for that final payment in the amount of {$540.00}. However, 5 days after that final payment cleared my checking account, JP Morgan Chase withdrew {$540.00} from my checking account. Therefore I overpaid my auto loan by {$540.00}. On XX/XX/2017 I called Chase Auto Finance to ask them to refund my {$540.00} overpayment. I was told to submit documentation in support of my overpayment claim, which I did on that same day-XX/XX/2017. I have enclosed the XXXX page document " package '' I send to Chase. Since I sent in the documentation I contacted Chase several times and been repeatedly " jerked around ''. Chase 's comments have been that they are " researching my claim ''. In the meantime I contacted my bank to put a stop payment of the Chase automatic withdrawals. That stop payment will cost me {$33.00}. Therefore I would appreciate your checking into this matter for me. Me phone number, e-mail, etc. are included on the enclosed document package. I just want my {$540.00} overpayment refunded to me. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Payday loan, title loan, or personal loan (Installment loan) with SECURITY FINANCE CORP (TN).
Issue: Struggling to pay your loan

Complaint: company threatened wage garnishment / called my employer while on XXXX leave. excessive phone calls / extremely rude to me / I want a cease and desist put on my account.

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 11-02-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Trouble during payment process

Complaint: I have made is the past payments towards my principal. This is in addition to regular mortgage payments Each time Carrington Mortgage services pretends these at all regular payments and charges me as if I was making payments several months in advance. The last time I made a payment of {$4000.00} toward principal, this was five days after I had made a regular mortgage payment. This resulted in interest of {$400.00} plus {$600.00} in escrow. this amounts to an effective interest rate of about 30 % on a XXXX loan. I called them on it and escalated it before they reversed it and applied it towards my principal Today - XX/XX/XXXX they did it again! I paid my regular payment on the XX/XX/XXXX and made an extra payment of {$1000.00} on the first of XX/XX/XXXX. They reacted like I was making a payment for XX/XX/XXXX. The charged me {$95.00} interest for 1 Day! + escrow for next month - Due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is regarding the Public Service Loan Forgiveness program In XX/XX/XXXX I applied for forgiveness of my federal student loans under the Public Service Loan Forgiveness program ( PSLF ) ; however, on XX/XX/XXXX I was denied participation in the program because I had consolidated my loans. According to FedLoan Servicing, by consolidating my loans the loans are no longer considered Direct Student Loans and therefore not eligible for forgiveness under PSLF. In XX/XX/XXXX, I had consolidated my direct and XXXX XXXX XXXX loans with XXXX XXXX in order to better afford to repay my loan obligation. Since the PSLF program was not yet an option, I could not have anticipated that consolidating my loans would prevent me from participating in a program instituted at a future date. When the PSLF program was announced, I determined that I would remain employed in XXXX XXXX until I became eligible to participate in PSLF. I have now been working in XXXX XXXX for nearly 20 years, but would have made different career choices had I known that my former direct student loans were not eligible for discharge. After the FedLoan Servicing 's denial, I contacted them about next steps and was flippantly informed that it would take an act of Congress to get my loans discharged! I have kept my end of the bargain. I have traded years of service in XXXX XXXX and years on-time payments of my student loans for the promise that my loans would be forgiven in XX/XX/XXXX. Can you assist in obtaining forgiveness for my formerly direct student loans? Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation