milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modified mortgage back in XXXX XXXX. I sent all my paperwork back in XXXX XXXX and was told I was approved and my final documents would be sent out after my trial period payments were done. When I never received these modified mortgage final documents in XXXX XXXX I called nationstar mortgage to see what was going on. They told me that on page XXXX the notary did n't print her name on the line provided. I asked why I was n't told since XXXX and was told they did n't know. I explained I had even spoken to my representative who is no longer around XXXX XXXX and she said it was all being sent. They advised they were resending the paper work to be resigned. I had to call again stating I still have not received the paper work and was told oh sorry it was not sent. I finally got it and then received a notice one week later saying I owe payment of XXXX from XXXX when trial payments started and my modification is denied due to no paper work ever submitted in XXXX as per a representative XXXX. As of this date I ca n't get in touch with my assigned rep. What am I suppose to do now???

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have had my family home foreclosed on but we do not know by who? The alleged Plaintiff, XXXX XXXX sent my a letter saying they did not do it and that they do have authority do so, but the court aloud it. The alleged servicer, Nationstar, did not initiate it either. Therefore, the law firm, XXXX XXXX XXXX, was not hired to file the foreclosure by neither party. Finally either party will show certified copy of note to verify debt, under UCC 501 or FDCPA. So, why are we losing our home?

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (VT).
Issue: Fraud or scam

Complaint: I sent money by western union to a person XXXX to adopt a XXXX XXXX puppy then got hit up for insurance, a new crate, then the deliverey person got robbed and needed even more money. I was scammed bad. I want other people to be aware of this. I sent XXXX of my hard earned money for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had a XXXX of a spouse. With all the transactions regarding the XXXX XXXX, I notices unauthorized withdrawls with my card still on me, using my PIN and RFID. TD Bank refuses to help even with police report and report from work showing I was at work during these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated in XXXX 2010 with over {$100000.00} in student loan debt. My loan payments to-date, per month are nearly {$1000.00}. I have paid every month nearly {$1000.00} since graduation and my student loan principal has not gone down, it has increased in fact. I tried several times to refinance or have my payments lowered based off of my income and I was told multiple times that my monthly payment is the lowest they can allow. I have paid almost {$84000.00} to-date and have nothing to show for it expect a higher debt. XXXX XXXX and now Navient did not work with me to lower my monthly payments or even lower some of my 12 % interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Mortgage (VA mortgage) with LoanCare, LLC (NV).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX has recently decided to charge extra fees for making payments during the month, i.e., pay 5 days after the first and get charged {$5.00}, pay anytime prior to the late date, up to the XX/XX/XXXX, {$10.00}. No where in my contract did I ever agree to pay additional charges for paying my mortage prior to the consider late date, the XX/XX/XXXX. I have wriiten to them twice with no response. I would prefer an answer to this practice.

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 01/17/2018 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: {$180.00} will br collected by Cavalry SPV I , LLC, the charge is a fraud charge put on my XXXX XXXX XXXX card. The balance is sold to Calvary SPV I, LLC by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: For the past 6 months i have tried to have a fraudulent account removed from my Equifax credit report. I have even provided them with my certified police report as well as the business card of the  officer  that took the report and the person in the records office that provided me the police report when i wen to pick it up ... .. that said they have failed to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (I do not know) with National Collection Systems, Inc. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have requested this company to no longer call my place of employment and they are continuing to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (I do not know) with NATIONWIDE ACCEPTANCE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I sent Nationwide Southeast a Fraud Affidavit on XX/XX/2016. As of date, they are still reporting information that do not belong to me on my XXXX and XXXX. I have also sent this same Fraud Affidavit to XXXX and XXXX and they have not removed this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I forwarded a letter to Experian dated XX/XX/18 ( certified mail ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding an inaccuracy in their reporting, regarding entrie ( s ) being reported for a DISCHARGED CHXXXX and DIMISSED/CLOSED CHXXXX ( listed twice on my report ). Experian hasn't responded in a timely manner to my initial letter and have now violated federal law and also have failed to provide me with a copy of any VIABLE EVIDENCE or METHOD OF VERIFICATION. Experian is in non-compliance by not properly investigating within the required timeframe or marking the items disputed on my credit report. I demand the items be immediately removed from my credit report. Any other action ( or inaction ) on behalf of Experian may result in smalls claims action.

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 06/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: The financial company ( Ditech Financial LLC ) acquired my mortgage, so I am not familiar with the company. They received and processed a payoff on XXXX XXXX, 2016. I have received from Ditech my escrow analysis statement dated XXXX XXXX, 2016 and received on XXXX XXXX, 2016 which shows the overage and escrow amount due me in a refund of {$3200.00}. I have also received a statement of recorded satisfaction or release of mortgage dated XXXX XXXX, 2016. 
I have not received my refund of {$3200.00}. I have made four calls dating from XXXX XXXX, to XXXX XXXX, 2016. Each time I have been given a different response about my refund. 
The first response, the check was mailed to me on XXXX XXXX, 2016, so wait a few days. I waited a few days and placed another call, this time I was told the first response was not correct, the check will be sent out on XXXX XXXX, 2016, thirty days after the payoff, I waited, no check, my third call, XXXX again said I should have received the check sent out on XXXX XXXX, 2016. I waited placed another call to CSR, this time it was back to XXXX XXXX, 2016 when the refund was processed and sent out. 

It has been forty two days ( 42 ) since the payoff and I can not get a straight answer or my refund from Ditech Financial LLC I am seeking your assistance in helping me with this matter. 
..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 was informed by the Credit Bureaus Transunion and  XXXX  that I would need to obtain a police report before they would remove my unauthorized inquiries and I sent over the report which is report #  XXXX  and they have not removed any inquiries off my report as of yet

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have tried having them work with my payments to be postponed since I am currently unemployed taking care of my XXXX child, no type of assistance has been offered. They have reversed payments on my account without notice or my consent. They have done adjustments to my account that I do n't know why they were done. They are charging such a high interest on my line and it 's set as a variable interest instead of fixed. I have tried releasing my cosigner and have releasing my cosigner and have been told no paper work or incomplete paper work was received so my application has not been accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification and after making three initial payments on time, the bank refused to accept additional payments without providing a reason. I seeked the advice of a legal counsel and after numerous attempts in saving my home, i have now been adviced that the modification was once again denied. I feel i have no recourse unless this agency assists me. I am desperately trying to save my home and dont know what else to do. Each time i tried negotiating with the bank, they have offered me no options other than foreclosure. I would appreciate your asssistance with this matter. I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (AZ).
Issue: Deposits and withdrawals

Complaint: I have ally bank checking and savings account. I wanted to transfer $ XXXX from my ally bank account to my spouse 's ally bank account. But finding it very difficult to deal with this bank ( ally ). 
1 ) They have setup limits for XXXX transfer which is $ XXXX for 30 days. 
2 ) they have some very useless excuses " why do n't both of you open a joint account '' rather than fixing this issue. 
3 ) Ally is not ready to increase the 30 days limit to more than $ XXXX even when i am ready to take all the risks/accountability 4 ) They use a bad excuse that XXXX is from 3rd party so they dont have any control. 
I am really impacted due to the limitations by this online bank. Have they been concrete or mortar bank..i could have walked-in and did it on my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In XX/XX/2005, I consolidated my student loans. At that time, the consolidated balance was {$87000.00} in principal ( as of XX/XX/2005 ). After an initial {$1000.00} payment, I have been paying {$520.00} every month for the past 150 months. The math on this is that I have paid {$78000.00} on the {$87000.00} loan. XXXX  sends monthly statements that a person has paid, but never the balance amount. Today, I contacted XXXX to see what the balance of the principal is. I was shocked to hear that {$66000.00} is the balance on the loan. XXXX states that all payments went only to the interest. XXXX represented to me on phone that all payments went to interest only and only a small amount to the principal. I was told that the loan will result in payments of {$180000.00} over the life of the loan that had a principal amount of {$87000.00}. This is XXXX!! How is this not usury?

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Consumer Loan (Installment loan) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: 1 ) Regions ' website shows in XXXX places the balance I owe is {$87.00}. 
2 ) When I called in to pay it off they say I owe approximately {$120.00}. 
3 ) The website is attempting to under report what I owe so that it takes longer to pay it off. I 've thought that I had paid it off a few times but the website misleads you on what you need to pay off the loan. 
4 ) Due to their deceptive website I want my balance waived and for the website to be improved so other borrowers will know exactly what the payoff is at all times. Regions is being very deceptive, including limiting the ways you can pay off your account when you call ( you ca n't use debit or credit cards online or over the phone ).

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 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Credence Resource Management, Account # XXXX represents a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XXXX and it appeared on my credit file as XXXX in XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report in XXXX of XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, this information was challenged and subsequently deleted as it is a re-aged account. Now, the information is once again showing on my XXXX credit file report # XXXX under the collection agency, Credence Resource Management with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. 

Credence Resource Management is reporting a re-aged account to my credit file which is a direct viloation of the FCRa. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XXXX rather than the first date of delinquency in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have submitted numerous requests for verification of my accounts with XXXX Trans Union, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Debt collection (Non-federal student loan) with AES/PHEAA (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency XXXX XXXX XXXX XXXX XXXX contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Non-federal student loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX has refused to stop allowing an collection agency to report incorrect information on my credit report. XXXX receivedan email from the reporting student loan company that they had the wrong person. XXXX was made aware of the email and the fact that the student loan told XXXX that they had the wrong person in writing. XXXX has denied me the right to good credit with this incorrect information. This is affecting my life and my kids life. I 'm a homeless mother trying to buy a house. I ca n't with the fact that XXXX is ruining my life and any chance of financial help due to misleading information that is placed on my credit report. I 've filed a lawsuit against XXXX because of how I was treated by them and the lack of concern that was givven to my identity theft case and proof that the company admitted that they had the wrong person. They said they did n't care do what I had to do so that 's exactly what I did.

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 09/18/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Back in XXXX I contacted Wells Fargo regarding a Home Loan for a new house I put an offer on. I sent them all of the information for my wife and I, and they ran our credit. Unfortunately, our offer fell through, but this past weekend we made and an offer and it was accepted. I contacted Wells Fargo this week and began the process. I communicated with XXXX XXXX XXXX XXXX XXXX at Wells Fargo. We discussed having only me be on the loan since my wife has bad credit due to her ex-husband. He informed me to get a Good Faith Estimate for just myself he would need to run my credit again, because his computer system would not allow him to provide XXXX for just me unless they started a new application. I asked him to just provide a Good Faith Estimate with the current loan having both my wife and I on it. Once XXXX XXXX heard I was not going to do the loan as an individual, he refused providing me a Good Faith Estimate unless we provide him with an addendum to our contract saying our escrow will be extended longer than 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with Credit Adjustments Inc (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I keep getting calls from XXXX sometimes even more than once a day they NEVER leave a message so I have no idea what it 's about. I googled the number and other people have the same problems and I have n't even received any bills or anything in the mail. I am SICK and tired of the HARASSMENT!

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 (FHA mortgage) with CITIBANK, N.A. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan was foreclosed on XXXX XXXX, 2011 Sheriffs deed. I contacted A lender to apply for a new mortgage in which I can not obtain XXXX as my name is still in the FHA XXXX XXXX. I contacted Citi Mortgage to have this resolved. Per FHA they have not received a claim on the property and I can not get a preapproval for a new mortgage. Citi could not provide me with any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Debt collection (Credit card) with Legal Recovery Law Offices, Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I am requesting validation of debt against this so call LAW FIRM XXXX XXXX XXXX XXXX " Legal Recovery Law '' I am very well aware of my rights and wont hesitate making a complaint against LAW FIRM with the FTC if they dont specifically validate the debt with all requested bullet points in what I expect from them to do step by step. PLEASE FOLLOW ALL LEGAL PROCEDURES TO PROVIDE ALL INFORMATION REQUESTED

Company response to consumer: Closed with explanation