milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I called The SunTrust Mortgage Escalation Resolution Team. The person who answered the phone said she could take my request verbally. I told her I was requesting a copy of all the information re my mortgage # XXXX, that they sumitted to the Hamp Administrator and the National Settlement Administrator. The person, whose name I have, said she would take care of this. It has been over 30 days and I have heard nothing. I called yesterday, and the person who answered the phone, said I have to submit my request in writing. A month wasted!!!! I have requested info by phone.in the past and have received a response. The desired resolution, is that I receive a complete copy of any information given to the Hamp Administrator, and the National Settlement Administrator, regarding the subject mortgage # XXXX ASAP. It is my right to see everything sumitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : XXXX, equifax and XXXX.
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I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report.
I get no response other than new credit reports sent in the mail.
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Requested Action.
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Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX can get information for my ready reserve applications.
My XXXX XXXX has applies five times and can not get credit information to approve my application for new reserve accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XX/XX/2016. I received a letter from Seterus, Inc informing me that my property taxes are delinquent and need to be paid by me. In previous years Seterus has been paying property taxes on my behalf through XXXX. So far I have called Seterus and XXXX to assist me and no one was able to explain to me why the property taxes had not been paid even though there is an escrow on my account. The individuals I spoke with could not find any documentation that any type of communication had been sent to me. I have not received any communication that I would be responsible for my own property taxes, nor any communication on the status or changes in the escrow account. I have filed a complaint in recent months about Seterus and their claim that I was behind in my mortgage payments which has since been resolved. At this point I would like to file a formal complaint that Seterus is not properly maintaining my records as it pertains to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In my most recent Equifax Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Equifax to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have tried to get my PMI cancelled since XX/XX/XXXX. I have previously submitted a complaint the case number is : XXXX. In my last complaint the company rep. suggested that we pay {$100.00} so that we can cover the cost of an appraisal to have our PMI cancelled. I have completed the form that Ocwen sent to me. I included a check of {$100.00} and sent it out on XX/XX/XXXX. I then received a letter on XXXX from Ocwen. They claimed that I needed to provide them with an alternate contact numbr for borrowers. I called Ocwen and spoke with a customer service rep. on XXXX/XXXX/XXXXI gave them my husband 's cell phone number. I asked when I could expect to hear back about an appraisal and the person said it would be within the next XXXX hours. IWe did not hear back for over a 2 weeks. My husband finally called again on XX/XX/XXXX. He spoke to a manager and the manager told him that we would get a call back about the appraisal within the next 5-7 working days. We have yet to hear back from anyone about any appraisal. Technically according to my Private Mortgage XXXX Disclosure my PMI should technically be cancelled automatically on XX/XX/XXXX. The document that I signed when I refinanced says : " If your are current on your loan payments, PMI will automatically terminate at the earlier of the midpoint of the amortization period of the loan or on the date the principal balance of your loan is first scheduled to reach seventy-eight percent of the original value of the property. It goes on to explain " The date your loan is scheduled to reach XXXX ( 78 % ) loan to value is XX/XX/XXXX. '' I feel this company is jus making up things along the way. We have done everything we could to get them to cancel the PMI as they are supposed to, including paying XXXX for an appraisal that should not be necessary. Now we are not hearing back from anyone about this appraisal and when we call to try to find out what is going on, no one seems to know that they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On or about XX/XX/XXXX when I had just turned XXXX, I applied online for a Discover Credit Card. I did not get a co-signer for the credit card application, and as a full-time XXXX XXXX XXXXt at the time, I only had nominal earnings, such as, babysitting. Perhaps my yearly income was around {$300.00}, and I did not provide any income verification, like pay stubs, as I only did the occasional job. I am now a XXXX XXXX, who just finished her XXXX XXXX, and only work during summers. I am still financially dependent on my parents and have substantial student loans. I am not earning sufficient income to support a credit card. 

According to section 301 of the Credit Card Accountability Responsibility and Disclosure Act, XXXX, which relates to extension of credit to minors, a consumer under XXXX years of age must meet one of two requirements before opening a credit card : The application must either include the signature of a co-signer who is at least XXXX years of age, or provide financial documentation of ability to repay debts accrued from the usage of the credit card. 

I did not satisfy either of these requirements on my online application. Therefore, this financial institution circumvented these terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I am a co-signer on a private loan my son has. It went into default, I was never notified about the default, no calls no mail until a XXXX Envelope this date. Three months and NAVIENT reported her late and in default. How can they do this without contacting her to cure the problem. This totally killed our refinance we are working on for our home. I talked to a Rep at NAVIENT and he told me to write to them to get this corrected. That will take us into XXXX, The loan as of this date was made current by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, my name is XXXX XXXX and I have owned my home in XXXX, New Jersey for 33 years. I am facing a foreclosure auction next month because the company that owns my mortgage Caliber Loan Servicing is refusing to consider any options or giving us a chance to save our home. We know that Caliber could work with us and do something to lower our interest rate ( currently at XXXX % ) or even change the term of our loan ( only 10 years left in the term ) to make the payment more affordable but they refuse. This problem began when the loan was with XXXX ( part of XXXX ). You see I had worked for 40 years as a XXXX but during the financial crash in XX/XX/XXXX I lost my job. I could not find work and survived on unemployment and drained the XXXX that was supposed to be my retirement in order to keep the lights on. 

We began reaching out to get some help for the mortgage at that time but were told the only option was a repayment plan which was temporary and raised our monthly payment. XXXX claimed that since they were not a United States bank and did not take bailout funds that they did not have to help us or work with us. This was heartbreaking and seemed extremely callous. I was not surprised when I found that they were fined XXXX dollars by the government for their unethical foreclosure and business practices. I finally went back to work in early XX/XX/XXXX. I resumed making my mortgage payments until I was laid off of my job about a year ago. During this time period the loan was transferred to Caliber. I once again fell behind on the mortgage and have not been able to find any full time employment ( working doing XXXX work and receiving some unemployment ) that would allow me to resume making my full mortgage payment. 

When that happened I began trying to engage with the agents at Caliber but have made no progress and feel that they are purposely obstructing me from available options in order to push me into foreclosure. I want Caliber to review my current financial circumstances in order to qualify me for any government or internal programs that they have. I am certain that they have the ability to modify this loan by extending the term or lowering the interest rate from XXXX % in order to make this affordable, yet they continually turn your back on us. I also believe they have the option to forgive delinquent interest or to wrap it back into the balance of the loan or even defer it till the note comes due. Why wo n't Caliber even consider these options or give us the time of day? Now they have set a sale date for XXXX XXXX. I know we are behind on the loan, but we expect that Caliber at least provide options for saving our home and to communicate with us regarding these options.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My employment information is incorrect and my name is incorrect and my address is incorrect. I have updated several times and the credit Bureau keeps changing it back.

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 03/29/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Settlement process and costs

Complaint: I am working with XXXX XXXX I was told to pay wells Fargo for an appraisal for my lot, it was appraised at XXXX. I signed documents to sell half of it and negotiated XXXX but in order to get the split approved to sell half of my lot Wells Fargo said FHA WANTS all of the XXXX to split the lot. 

Why? in most cases I was informed that XXXX was the pay-down requirement. why is wells Fargo saying FHA demands 100 % of the proceeds to pay-down the mortgage. I understood that XXXX to was the normal pay-down I believe that only 10k should be required as a pay-down since the lot is only valued at 10k and I should be allowed to keep the rest and pay off my personal debt or I will have to foreclose my entire property. 

I need to get FHA to approve the lot split of {$10000.00} not the entire sell or I will only sell it for XXXX because I believe this is a form of discrimination. I have had major difficulty paying my mortgage and I need to pay off debt that is independent of my mortgage, if I am not able to pay off other personal debt and all of the proceeds need to go to the mortgage I will continue to have this other independent debt. 

I have a XXXX student loan I need to pay it off and not just put all the proceeds in XXXX bucket. Who can help me fight this with FHA. 

Paying the mortgage down is unfair if I am required to use the entire proceed. I have recently requested a modification and if I am able to keep 50 % of the proceeds then I can pay my mortgage and the student loan and other debt and still pay down XXXX of the loan. I believe {$10000.00} is fair. 

For FHA to demand the entire amount is UNFAIR AND UNJUSTIFIABLE when compared to the APPRAISAL AND THEREFORE I FIND IT DISCRIMINATORY. 

XXXX told me I can file a complaint. Where do I file this complaint and what is the process? 

{$270000.00} mortgage limits in Michigan FHA

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Medical) with STONELEIGH RECOVERY ASSOCIATES, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to XXXX on XX/XX/XXXX for services i did not have insurance at the time and i was unable to pay the bill. I kept my billing information to eventually pay off the bill. i started to make payments toward the XX/XX/XXXX and i paid off the bill in XX/XX/XXXX. in XX/XX/XXXX i recieved a bill from a collection agency that says i owe XXXX dollars in which i do not owe. i continue to be mislead about my account and what is being done to fix this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: NAVIENT HAS NO ANSWERS FOR ME REGARDING MY LOANS! I beleive there is deceptive practices occurring and I have exhausted all efforts to get information. I am paying all interest at this point as the initial loan ( s ) amount has been paid. Further more every month they report an increase to the credit bureaus when in fact I am paying every month and my balance is going down.

I pay {$95.00} a month for 4 loans and every month from the credit bureaus I get info that my balance has increased not decreased. 

This is the info I receive : It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
BetweenXX/XX/XXXX and XX/XX/, your NAVIENT student loan account balance increased by {$1000.00} from {$690.00} to {$1700.00}. 


Additionally I was placed and released on a forbearance program of which I have had no knowledge of and incurred missed payments derogatory marks which they will not clear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MT).
Issue: Managing the loan or lease

Complaint: Toyota Financial reported a late payment on my credit in XX/XX/2017. I have no late payments and after speaking with them, they said they have no record of it in their system so they ca n't do anything about it. I am in the process of purchasing a home and this error by them caused my credit to drop below the acceptable rate to acquire a home loan. After repeat calls to Toyota they still wont correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (OH).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I live in XXXX, but in XX/XX/XXXX I took a temporary summer position as a XXXX and worked in XXXX, XXXX. I got cable service with XXXX XXXX. I returned to XXXX in XX/XX/XXXX. In XX/XX/XXXX, I became aware that my FICO score had dropped to XXXX. For over 30 years, it has been at least 800. I checked my credit report and found that a XXXX XXXX XXXX of XXXX XXXX had placed negative information on my report. I called them immediately. They said they were collecting a past due account for XXXX XXXX. They said I still owed a portion of my final cable bill. I asked why they had not contacted me. They claimed they had. Apparently, they were asking for a XXXX XXXX. I receive a number of calls with no caller ID. I do not answer them as I am inundated with solicitation calls despite being on the do not call list. I paid the bill in full the next day with a personal check. 

I called XXXX XXXX and complained. They were sympathetic but said there was nothing they could do once it went to collections. I do not know why XXXX XXXX did not contact me. I paid my by personal check the entire time and it had my home address. SouthWest was somehow able to locate me and put a negative report on my credit report, but they could not send me a letter. I think this is grossly unfair!! I want my XXXX FICO score back asap. It is my understanding that negative reports will remain on your credit report for seven years. This is not fair!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Medical) with Collection Service Center, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Was never told about debt

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I did not know the debt was due until i looked on my credit report. I have sent documents to this business asking to prove claim and to fill out the disclosure statement i attached and I did not receive a response.

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 08-12-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: In XXXX of 2016 I was a victim of credit card fraud. I reported the fraudulent charges to Wells Fargo Bank. Wells Fargo took a report, canceled the credit card and told me they would issue me a new card. I later received a document stating that the claims and transactions I disputed were verified by Wells Fargo to be not allowed by me and they were removed from my credit card balance. I still had not yet received a new card and was also not able to access my credit card balance online nor make a payment. Around XXXX XXXX of 2016 I contacted Wells Fargo after receiving a letter stating that I needed to make a payment towards my account balance. I was transferred to XXXX different people who were all having trouble even locating my account. I told them I was unable to see my balance nor make payment and had not yet received a new card. Finally, after some time they said the problem was that they had not issued me a new card, and once they did that account would be accessible online and I could start making payments once again. I disputed the late fees and charges due to not being able to access nor gain information my account, but we never came to an agreement on those charges. Today, XXXX XXXX, 2016 after still not receiving my new card and still not able to access my account, neither online nor via phone ( when I tried to access it via phone I would received an automated response stating " We 're sorry we can not continue with this transaction '' and then I would be disconnected. After speaking to XXXX different people I was finally informed that my account had gone into collections even though I had not yet received my card not had access to my account as was promised to me by Wells Fargo. I tried to handle this matter and yet the things that were agreed upon on Wells Fargo 's end never came to fruition.

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 03-12-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I had an account with Conns. I bought unemployment insurance with my account. I lost my job later and filed a claim several times but they just keep ignoring me. NOW CONN 'S IS REPORTING A CHARGE OFF, THE INSURANCE COVERED THE BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015, QUALITY LOAN SERVICE CORPORATION informed CFPB that " althought the Trustee Sale is set for XXXX XXXX, 2015, their file is on a HOLD per servicer 's request for loss mitigation. '' ( Please see attached Quality Loan 's response on CFPB Portal. ) However, one week thru TODAY, XXXX XXXX, 2015, QUALITY 's website, and that of XXXX via telephone number indicated on Notice of Postponement ( Quality 's Sales Agent ) - still reflect the XXXX XXXX, 2015 Sale Date. ( attached today 's XXXX Sale Status from Quality 's website ). 

Is this subject to consumer protection laws? 

Thank you CFPB for your urgent help.

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