milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2015 about Debt collection (Federal student loan) with Delta Management Associates, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Delta Management went through the State of California and garnished my retirement with out any prior communication. They claimed I had signed a loan consolidation through them and I had not. When I ask for proof they would put me off and would not respond to my calls or e-mails. I tried to work with them and they appeared to want to work with me but when I started to comply with their request, they backed off, The process went like this : They were informed and requested for paper work to work with them on a payment plan. 
o I complied with every request made. 
o I saw on the internet where they were doing things that were not in compliance with the information that was on their website. I inquired about it. 
When I inquired, that is when they stop trying to act as if they were working out a plan with and for me. 
The XXXX said they are not working for them and they have had a lot of problems with honesty and integrity and they were not representing them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XXXX XXXX XXXX XXXX Loan Companies : XXXX XXXX, Navient, XXXX XXXX XXXX, XXXX XXXX XXXX Debt : {$100000.00} All loan servicers require expensive payments. Through the last XXXX years have " juggled " loan servicers by applying for forbearance to " catch up '' with individual loan servicers. Navient has recently told me to file forbearance with XXXX XXXX XXXX so I can pay them while being threatened with default. Now, interest will build with XXXX XXXX XXXX and all that money I paid to get ahead will put me behind so I can pay Navient. For the last XXXX years, I have repeated this forbearance process with all loan companies to protect myself from garnishment and my father cosigner. 

Will there ever be any help or relief for students that went to XXXX XXXX XXXX who were deceived, manipulated, and rushed into all these loans that are hurting lives?

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: I purchased my Toyota Prius XX/XX/XXXX at the dealership called XXXX XXXX. 
The dealer told me that I will be the 2nd owner of the vehicle and showed me its title search results as well. He said they partnered with Wells Fargo Bank and they provide the car loan through them. They told me that Wells Fargo owns XXXX XXXX XXXX company and sold me a {$3000.00} " BATTERY INSURANCE. '' ( I did not know that the car originally came with that coverage warranted by XXXX. ) XX/XX/XXXX I had the " Check Hybrid Battery '' error popped up on my dashboard. I went to XXXX XXXX where I was told that the battery needs replacement for {$4000.00}. I called my regular XXXX service in XXXX, where I was told that the car should be covered by warranty. I went back to XXXX, they said they will do the repair. The next day they called me to tell me that the warranty does not apply due to the fact that the vehicle was originally sold in Texas. I immediately called the dealership who sold me the vehicle but shockingly they OUT OF BUSINESS. I called Wells Fargo Dealer Services and ask them about what happened to this dealer ( Wells ' Partner ) who clearly sold me a car based on fraudulent documentation. Like I mentioned earlier, it 's been going on since XX/XX/XXXX, but Wells Fargo did n't responded ANY of my attempts whether it was via e-mail or phone. 
Each time I called I was unable to get any employee 's name due to Wells Fargo " in house '' policy. 
The non responsiveness is an ongoing issue with this bank. Earlier this year they tagged my auto loan with an extra {$2000.00} additional car insurance even though we fax the policy to them numerous times. They declined to respond until I reached out to CFPB. That issue was resolved and I thank you for that. 
Hopefully we can figure out why Wells Fargo promoting fraudulent used car dealers and why they did not respond any of my attempts since XX/XX/XXXX to resolve this matter. 

Thank you. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with Alorica Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I was reviewing a copy of my credit report and saw a listing for XXXX XXXX XXXX XXXX. for a debt of {$3400.00}. I sent a certified letter requesting that they validate the debt, provide HIPPA consent for PHI, and original signature of an agreement for payment. On XX/XX/XXXX, I received a package in the mail from the company. Upon opening the package I found an itemized bill with PHI in the form of XXXX codes and service descriptions. I have never authorized my PHI to be given out to any companies.

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 07-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In either XXXX or XXXX my amount due on my private student loan went up almost $ XXXX/month. I paid it, but it was causing financial hardship for myself ( between my private loan and my federal loan both owned by Navient I end up paying nearly $ XXXX/month, not to mention another loan from XXXX XXXX for $ XXXX/month ). 

I was advised by XXXX customer service representatives that they were unable to assist me, but if I let my loans go into default, there would be options available to me. Against my better judgement, I did n't pay my loan last month as advised. 

When I called today to see what options were available to me, I was told that they were able to lower my payments by $ XXXX/month ( great, awesome ) ONLY if I signed up for automatic debit. I had signed up for automatic debit in the past and had so many issues with it -- from payments being unequally applied to loans, incorrect amounts being debited to unauthorized payments taken out. At this point I asked to speak to a supervisor to see if I could explain that to them and see if they would agree to waive this stipulation. 

Beyond the supervisor being completely rude, I was told the same thing - there is nothing that can be done unless I set up automatic debits. I asked if there were any guarantees or assurances that issues that I 've had in the past would n't happen again if I signed up for automatic debits, and the supervisor got very insulting and surly. I am so disappointed in this company, I am willing and actually able to pay my loans, and have been for the past year or so BUT I can not pay this amount right now. I am feeling so despondent and hopeless after this call with your company. I just do n't know what to do with these loans anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2016 about Credit card () with WELLS FARGO & COMPANY ().
Issue: Closing/Cancelling account

Complaint: I was living temporarily at the US and I had to open a secured card with XXXX $ to be able to contract some services in the US. They took straight away the money from my check account. When I moved to other country I cancelled the card but they said that they needed 90 days to get my money refunded in my account. After that period I checked my account balance and the money did n't appear in the account. When I contacted Wells Fargo customer service they said that they already sent a check to my address, but I was not living there any more! So they told me that I needed to receive in my new mail address an stop affidavit that I had to sign to have my money back. I never received that letter. I asked for it more than twice and it is the only international post mail that is not arriving to my new address. 
Wells Fargo refuses to give my money back despite they know that I never cashed that check. They refuse to use a certified post mail, e-mail or any other method that can ensure that the affidavit is going to arrive to my new mail address. They are literally robbing me XXXX $ because there is no way of having that money back. 
I would advice people to not open any secured card with Wells Fargo ever, they are going to lose their money. It has been more than 3 months fighting with their customer service with no resault.

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 03/23/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I began receiving automated calls from XXXX beginning on XXXX/XXXX/16. First call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, the first call was at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, the first call was at XXXX XXXX and the second was at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. Today, XXXX/XXXX/16, I received a call at XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax exposed my personal information on file in a security breach. It was clearly not properly secured, and now I 'm exposed to possible identity fraud and need to take both time and money to do due diligence to protect my assets and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i went to get an auto loan they ran my information and my social came back as deceased. i have called all XXXX credit agencies and cant get an answer from anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Valentine and Kebartas, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company name is Valentine and Kebartas. 
After missimg multiple calls a day from this company I finally spoke with someone on XXXX/XXXX/16. XXXX had sent my final bill to my old address and I never got it. The person I spoke to at Valentine and Kebartas corrected my address and arranged to send out a reprint of the bill. She waved the ridiculous {$5.00} fee to have the bill reprinted. I let her know that I would be taking care of the bill as soon as I received it. 
Not 1 day later the calls started again. 
I received a call this morning by a very pushy caller and was told that if I was taken off the call list without making payment arrangements my bill would go into collections. I asked why my file had n't been updated to show that I was cooperating and s ( he ) said their system just does n't show everything. 
When I complained about their repetitive calls the caller said that legally the system could call my phone up to 6 times per day. This is harrassment and also threatening by saying my bill would go into collections. 
By their admission, even though I was cooperating, they were going to call me up to 6 times per day until my bill was paid. 
These are nnacceptable business practices. 
Please look into the company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage service provider is Ditech ( formally Greentree ) and we fell behind on our mortgage and had to resort to a Chapter XXXX Bankruptcy filing in order to remain in our home. We then applied for a loan modification after reaching an agreement with the bank and the courts about our repayment program. During the loan modification request process Ditech continuously gave us the runaround by claiming we were missing documents, and then when we would send the missing the documents we were being told they had n't been received. Each time I would call and ask for a name so that I could call to follow up the fax I was making they would n't provide us with the persons name or position with the company. That led to me filing a complain against them with you - Case number : XXXX. We are now being retaliated against because of that complaint. We have been working with a non profit group out of XXXX XXXX called XXXX XXXX XXXX, and our contact is XXXX XXXX XXXX who can be reached at XXXX XXXX to verify what I am about to tell you. Ditech told us ( and XXXX ) back in early XXXX that our request for a modification had been approved, and that it had been sent to underwriting for the finishing touches. They also told us to hold off on our XXXX Mortgage payment because the new mortgage with the new dollar amount would take effect. Then they received notification of the complaint I made against them, and now they refuse to give us any type of answer XXXX way or the other. Each time we call we are told it 's in underwriting and no other information is available. It 's clear to me that this is retaliation and they have no interest in working with us. By telling us to hold off on our mortgage payment we are now in default with the Bankruptcy trustee and our Chapter XXXX plan is being dismissed by the courts which puts us right back into foreclosure. They lied to us and to our representative about our modification status and by instructing us to hold back on our mortgage payment have put us in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (VA mortgage) with Selene Finance LP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: " DO NOT CLOSE THIS COMPLAINT '' I have contacted this office on numerous occasions regarding the issues with my mortgage company. Since XX/XX/2014, I have had nothing but issues with how things are handled. I reached out the VA office XXXX XXXX XXXX XXXX to assist me with the loan modification and getting things completed. After receiving the the XXXX package XXXX XXXX XXXX ) from Selene Finance I realize that the documents were expired ( probably the ones that should have been mailed out back in XXXX XXXX and the discrepancies with the information listed. I emailed XXXX XXXX the copies and she agreed that I should not sign them. She advised me that she was working closely with the VA Coordinator from Selene Finance. Shortly afterwards I received another loan modification ( XXXX XXXX ) ; which I returned to Selene Finance unsigned, with a note stating for the XXXX time that XXXX XXXX is no longer on the recorded on the deed of this property since I was advised by previous lender to remove him in order to do a deed in lieu ... if Selene Finance was really doing their job then they would know this already. Before sending the package I tried calling Selene Finance numerous times at the phone number listed on the documents only for the number to be busy each time. I do n't find them to have any concern for resolving my concerns. I thought with all of the incentives that mortgage companies receive for loan modifications I thought this would be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Bayview XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I fully expect Bayview to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against Bayview. Well, I have read many other CFPB complaints against Bayview and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by BAYVIEW does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at BAYVIEW? When is the CFPB going to hold BAYVIEW accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME! 


Short Sale was started XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX we were countered to XXXX. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we submitted a Contractors Bid, photos, and market comps in response to the counter offer. 


On XXXX/XXXX/XXXX the appraiser revised his appraisal to $ XXXX. 

On XXXX/XXXX/XXXX we submitted a revised offer of $ XXXX On XXXX we were told by XXXX XXXX the file was denied based on " fair market value '' of XXXX, and the minimum net needed to be 83 % of this fair market value. ( Which our XXXX offer does meet this minimum net. ) XXXX XXXX LIED about the value of this property ON A RECORDED LINE. 


WHAT HAPPENED to the revised appraisal? 

WHY are we being denied even though our offer does meet their minimum net? ( our offer is actually much higher than their minimum net. ) This is the 2nd Time XXXX XXXX has XXXX up on this file regarding values. Her mistakes are causing significant delays. ( which is harming their investor, our community, and the estate that has taken over this property.. values in XXXX XXXX have been dropping for the last three months. ). It is obvious she is overworked - and that means BAYVIEW does not have appropriate number of staffing to be able to service their files according the servicing guidelines set forth by the CFPB. 



I want Bayview held accountable for the lack of staffing needed to do their job-for which they get paid of servicing their files. Bayview has no interest in following the laws and guidelines set forth by the CFPB. They dont care how their files are handled they only want to put forth the least amount of effort into fulfilling their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with Factor Trust (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Factor Trust request a hard inquiry from XXXX without my permission then proceed to add negative and fraudulent information on XXXX XXXX, XXXX other credit eports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (I do not know) with APPLE RECOVERY, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Money transfer, virtual currency, or money service (Virtual currency) with GOLDEN 1 CREDIT UNION, THE (CA).
Issue: Other service problem

Complaint: Trying to link my account up with XXXX XXXX and Golden1 credit union is not partnered and can not be verified.

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 10/15/2015 about Payday loan () with Mobiloans, LLC (FL).
Issue: Applied for loan/did not receive money

Complaint: I was applying for a loan from mobiloans.com and they said my social security number was not in there system but when i go on their site they say it is. this was my first time ever applying with this company.

Company response to consumer: Untimely response
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016, my accounts were closed by PNC bank branch located at XXXX, XXXX in XXXX in an unjust and unfair manner. This morning I met with the branch manager, XXXX, to determine why my Social Security monthly benefit was not available in either my checking or saving accounts. I talked with various bank representatives on several occasions to address a transaction that was flagged as fraudulent. In an attempt to help a neighbor, a wire transfer was deposited in my account on XXXX/XXXX/16 and returned on XXXX/XXXX/16. I incurred a return of deposited item fee on XXXX/XXXX/16 for {$12.00} ; continuous overdraft fees of {$7.00} on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XX/XX/2016,XX/XX/2016 ; and continuous overdraft fees of {$21.00} on XXXX/XXXX/16 & XXXX/XXXX/16. The total of these fees is {$89.00}. As on XXXX/XXXX/16, my saving account was charged off in the amount of {$210.00} and my checking account was charged off for {$290.00}. I still do not understand all the fees of how I owe PNC so much money! Previously my accounts have always been in good standing since their inceptions. I attempted to be accountable for the error of trying to help a friend and asked XXXX to deducted the amount owed from monthly benefit but he said " the Social Security Administration has flagged these types of benefits to not allow any of it to be used to pay bank fees ... and that is why the account was closed. '' I ended up sincerely asking XXXX bus drivers to allow me to ride for free because I did not have any money leaving the bank. Honestly, I have not had any money since XXXX/XXXX/16 & my birthday was on XX/XX/XXXX. I am a XXXX and my only financial account is- I mean, was with PNC . Now, I think I have to wait for a check to be issued and sent to me via snail mail ( I will address this matter tomorrow ). No one from PNC contacted me to tell me what was going on and as important, how to keep the accounts active and open. They just closed them and left me broke with tears! Please help & thank you in advance!!

Company response to consumer: Closed with explanation