milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification with BayVIew Loan servicing. NO ONE reviewed the application with me and the assigned asset manager, was not responsive or helpful in explaining the process or what was needed. I sent in all forms and income that was requested. after what was about 2 month, a declination package was sent to me. I asked the asset manager why was it turned down and he said the DTI was 31 %. I said the paperwork you sent me said the DTI needed to be between 25-55 %. He had to put me on hold. Then he said that I could only afford a certain payment amount and that amount was not allowed. I told him the income was incorrect. He said I should have entered the correct income. I said I entered what it asked for and that no one reviewed with me. He said I needed to re apply or contact the Escalation Department. So I called the number to the Escalation Department that was listed on the decline letter and the answering message continually says the company is closed EVEN DURING BUSINESS HOURS. So I emailed them and received an email response showing the email was rejected and not read. I called the assigned asset manager back and he clearly said that the Escalation Department will not take your phone call. I asked why because they list a number. he said they just wont. He said to email them. I told him I did but the returned the email as unread. HE said that should work and not sure what else to tell me. I am very upset and frustrated. Companies should not be playing these shell games with consumers anymore. I called on XXXX and asked about making a payment and was told with the decision on the loan mod almost ready to be made, the suggested I not make the XXXX payment because that would help the modification look as if it was really needed. Now I am two months behind and cant reach the Escalation department and only have 30 days to do so

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with ALLY FINANCIAL INC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have received countless calls from  XXXX   XXXX   XXXX  for a name ( ca n't understand them maybe its  XXXX ? or something like that ) that I am not related do not care who ever it is. I have tried disconnecting my answering machine, returning their call to an ext. that NO would help me. Answering the call several times telling them that person is not me and telling them to quit harassing me. I would like to file harassment charges as this has been almost a year and several times per day. Now they found my cell number and home numb er I AM  FURIOUS CAN YOU PLEASE HELP STOP THIS HARASSMENT

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 01/20/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a chapter XXXX bankruptcy that was DISCHARGED case # XXXX this was discharged by the United States Bankruptcy Court on XXXX XXXX, 2015 but a few months passed and Equifax was reporting my bankruptcy as dismissed that is incorrect that is negative information it should have said DISCHARGED so i disputed the information. They failed to correctly report my bankruptcy after XXXX investigations i even sent them by fax my discharge letter which when i call Equifax they say they can see it on there computer? So after the 3rd attempt to change the verbiage from dismissed to discharged they totally REMOVED my bankruptcy from my credit file. Now all my accounts that were paid in full by my chapter XXXX discharge are reporting as late or charged off and it has seriously dropped my score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, according to their own research, allowed the unauthorized access to my personal credit data to occur from mid-XXXX through XXXX XXXX. 

The information disclosed included all or some of the following : my name, Social Security number, birth date, addresses, drivers license number, credit card numbers, and dispute documents including personally identifiable information. 

Criminals now have access to all information required to establish credit under my identity. As the information disclosed is in digital form, it is trivial to share and re-share my personal information. 

Equifax 's failure to meet their fiduciary duty to protect my information exposes me to a lifetime of elevated identity theft risk.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Non-federal student loan) with SLM CORPORATION (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Messages by an automated machine have been left 3 times today already. This is despite a previous call where I specified that I would call back in a few days to resolve the issue. 

Messages were left at XXXX, XXXX XXXX. It should be noted that more calls are possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hi I have complained before but you did not help me. I was told by a lawyer to try again. Wells Fargo has XXXX me for the last 3/4 years me and my wife have lost sleep worried about my home. XX/XX/2016 I  was told by XXXX XXXX to put loan in wifes name since I was in cpt XXXX. and she would qualify for Harp 2.0 I called Wells Fargo I was only one month behind due to sickness. I was denied they said you do not qualify. XXXX also was denied on the US Gov principle reduction. Wells Fargo said no.I have called and beeged for help and they denied me everything. All the US Gov programs help everybody buit us acording to Wells Fargo. They help me one tiome and went up on rate and years and I was told get out if We can not afford it. And the Ladies name I have.I have been underwater for 5/7 years and they sunk me further in dept. The place were I resident is located has gone Bankrupt and that hurt values.I know you have read about allm the fines that Wells Fargo has paid millions for XXXX to XXXX XXXX and XXXX XXXX  so it shouild not be too hard for u to understand that Iam just a number and money rules Wells Fargo. They are the hatefull and crooked ask anybody that has tried to work a solution that may help the consumer.They screw anybody that get in there way.I need HELP PLEASE Thanks XXXX  and 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 explanation
Consumer complaint received 08/19/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: Santander Consumer USA has reported on my credit report that I have XXXX late/missed payments on my 72 months loan term. I have made XXXX payments on time and requested deferment of XXXX payments when I was injured at work. The deferment was approved and fees were charged for this request. The company has reported my payments as being past due since that request. Car was recently stolen and insurance made large payoff for loan and the payment was misapplied several times causing the balance to go down and then back up and no one can explain what happened. After XXXX payments at {$480.00} per month on a {$16000.00} loan - somehow I still owe {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was in the custody XXXX and at the time of my arrest I was injured. I was first taken to jail, and then transported to the emergency room for treatment. 

Upon my release, I was billed for a total sum of around {$5500.00} I communicated with the hospital 's billing and let them know that I was in custody and XXXX was my legal custodian, and thus legally responsible for the bill. 

The bill was broken into partsXXXX. A {$310.00} collection was sent to the credit bureau. 

I have communicated this to all XXXX credit bureau, and well as the collection agency that is reporting to the bureaus. This debt has been written off in bankruptcy, but is a derogatory remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I want to get a perfect credit score so I want to know the credit bureaus ' formulas. I have a lower credit score because they wo n't tell me what the formula is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently noticed an entry on my credit report from " XXXX XXXX XXXX XXXX ''. On XX/XX/2015, I sent a certified letter requesting validation. I have n't received a valid response. On XX/XX/2015, I sent a letter to TransUnion, disputing this entry. TransUnion " Verified ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My Student loan payments Were rejected after illegal practices were brought up.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (NJ).
Issue: Managing the loan or lease

Complaint: I leased a Mercedes Benz ML-350 through Mercedes Benz Financial Services ( MBFS ). We also enrolled in the Mercedes Benz mbrace service for safety & security, which cost over {$300.00} per year for enrollment. The lease expired and the car was returned in XXXX 2014 and at that time, I explicitly ask if there were any more obligations at the dealer to which the vehicle was returned. On XXXX XXXX, 2014, I was charged {$310.00} to my XXXX XXXX in an automatic renewal for a vehicle that I clearly no longer leased. Mercedes only reimbursed {$260.00} as they claim the service was being used from the start of the year to when the charge on my credit card statement was discovered. How can Mercedes charge for a service on a vehicle that I clearly no longer had?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX this is my prior complaint. 
1.XXXX has unecessarily enclosed 62 pages of private material only to further intimidate its customer. 
2. XXXX has NEVER responded to the letter sent to XXXX XXXX XXXX ( XXXX headquarters ). Why not? XXXX did not allow the customer to sent an email and/or fax and forced the customer to write a letter. 
3.XXXX has stated not to care per XXXX ( badge # XXXX ) American Express supervisor North Carolina XX/XX/XXXX at XXXX XXXX EST. " '' you can send all the letters you want but we wo n't give you any answer ''. This can be found on a recorded tape. 
4. XXXX has been called several times in XX/XX/XXXX and XX/XX/XXXX regarding the letter sent and each and every time customer was told to wait for an answer and to WAIT WITH PAYING THE FINAL BILL. 
5. XXXX has still charged 2 late fees in contradiction with # 4. 
6. Customer called XXXX to finally resolve this on XX/XX/XXXX and offered to pay off the WHOLE outstanding amount adjusted for the 2 late fees. This would be XXXX 7.  Whenever using XXXX chat there is no way to print the conversation. I have asked XXXX ( for ex. yesterday ) to sent me the transcript and/or provide some way to properly document the conversation. All XXXX states : '' we apologize but we cant do this ''. Why not? 
8. XXXX needs to stop lying : stating it credited {$820.00} is not true. XXXX is merely a payment venue with debits and credits going through its payment system. XXXX NEVER gave its customer {$820.00} from XXXX to its customer. XXXX is manipulating the facts as it is well aware that these credits are from 3rd party merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX 2016 I had a fraudulent charge of more than {$2500.00} from a ticket vender.I didnt make or authorize the charge.I reported the charge to Citibank Brooks Brothers in XXXX XXXX a few months I was refunded the charge, but it keeps showing back up on my statement.I have been wasting many hours on phone with Citibank customer service for over one year, still have not resolved problem

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 05/22/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Renton Collections Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This submission updates the XX/XX/XXXX complaint against Renton Collections XXXX Inc. to which I was complaining about Renton Collections attempting to collect a two year-old bill for XXXX Plumbing. I was also complaining that they never provided or mailed me a proof or a copy of the bill I requested or any verification associated with the bill when I first spoke with them on the phone on XX/XX/XXXX. I had to request a proof of the bill because I am a recent ID Theft Victim, Someone else had filed an Income Tax under my name for XX/XX/XXXX Tax Year and someone had applied for a credit card using my name and I have been getting a lot of scam calls in my cellphone within the last several months and a mailed copy would prove it 's validity. 

I did not believe Renton Collections was a legitimate call because the only Plumbing company i remember doing work for me two years ago was with another Plumbing company and not XXXX XXXX Plumbing. Renton Collections never mailed me any proof at all. Instead they reported the unpaid bill to the Credit Bureau on XX/XX/XXXX. This prompted me to do my own investigation and by going in person to XXXX XXXX Plumbing on XX/XX/XXXX and inquire about this bill. I realized that they billed me two years ago for dispatch fee of {$100.00} just for sending somebody to my house and but not doing any work. I never received any bill from XXXX XXXX Plumbing otherwise i would have paid for it two years ago. They claim they billed me but i never received anything in the mail. I decided to pay the bill for {$130.00} XXXX incl. Renton Collections Interest charges ) directly to XXXX XXXX Plumbing that same day. 

I believe that i was treated unfairly. I have always maintained an excellent Credit rating ( verifiable ) paid my debts on time, never missed a payment, never had a collections and now this Collections from Renton Collections XXXX Inc. has made an impact in my Credit Rating as a result of irresponsible creditors and bad business practice. All i care right now is getting Renton Collections Account be taken off my Credit Record because i never intended this to happen and I believe my rights was violated. I am hoping for a resolution of this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My VA loan was transferred form XXXX XXXX to RoundPoint mortgage on XXXX/XXXX/16. the escrow account was short and the property taxes were due. RoundPoint allowed the taxes to become delinquent and I was assessed additional interest. I paid the taxes myself on XXXX/XXXX/16 when I learned they were not paid. RoundPoint submitted a tax payment about XXXX/XXXX/16 and it was returned to RoundPoint as no taxes were due. RoundPoint did not return the refund to my escrow account, and as of XXXX/XXXX/16 my escrow funds are still not returned to my account. The second problem arose on XXXX/XXXX/16 when I discovered that my payment submitted on XXXX/XXXX/16 had not been applied. Believing that the payment had been lost in the mail, I submitted an ACH payment so I would not be assessed a late charge on my loan. On XXXX/XXXX/16 RoundPoint applied my XXXX/XXXX/16 payment, and took a full months interest and escrow charges from that payment. Since I had just made a full payment on XXXX/XXXX/16 this was a gross misapplication of my payment on XXXX/XXXX/16. RoundPoint had only earned {$17.00} interest, and my escrow account had been fully paid for the month of XXXX. All but {$17.00} should have been applied to the Principal balance on my loan, but it was not, and the lender has not contacted me to determine how I wanted the excess funds applied. Having had one bad tax experience with RoundPoint, and knowing that I am ultimately responsible for my taxes whether the lender pays them or not, I paid the first half of my 2016 taxes on XXXX/XXXX/16. RoundPoint subsequently submitted a payment for the taxes on XXXX/XXXX/16. this payment will also be returned to RoundPoint as there are no taxes due at this time. It is my desire to get the payments I have previously paid applied properly to my loan, and the funds that RoundPoint has been reimbursed for payment that were not due be restored to my escrow 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 05-03-2016 about Payday loan () with Solutions To Portfolios, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: The charges went for {$160.00} to {$390.00} ... Keeps calling me at work when I told them to just call me on my cellphone. Rude on the phone. XXXX XXXX said I have never spoken to her before but I remember that she was the one that I set up payments with a couple weeks ago. They claimed that they didnt have my cell phone number but i knew that was impossible because XXXX XXXX called me and left a voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Received a letter from Nationstar Mortgage stating that our homeowners hazard insurance had expired. Contacted insurance company who confirmed that coverage was continuing. Sent email to Nationstar with copy of declarations page asking them if property was sill covered. No response to date after XXXX emails. Can not express how distressing this has become.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Payday loan) with Financial Credit Service, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a call from an unknown number on XXXX XXXX, 2016. I did not anwer the call because I was at work. Later in the day I received a call from a friend that they received a call for me stating I had XXXX cases with XXXX County pending if i do n't call them back. I got the number from her and a reference number, I called the company and they told me that there are XXXX pending charges against me for submitting a false check and that they could garnish my wages and take me to court in XXXX County if I did n't pay. While on the phone the lady i spoke to said she has to talk to their legal counsel about my account, and find out if the charges have been filed. Then she said she would transfer me to legal counsel to ask me some questions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Earlier this year our mortgage loan was sold from XXXX to Carrington Mortgage and our homeowner insurance renewed around the same time as this. I paid our mortgage using the old amount before the escrow analysis number could be adjusted to the new payment. Carrington placed that {$1400.00} payment into their " unapplied cash '' on our account which makes it appear that we missed a payment. They charged us a late fee and hit our credit reports with a missed/late payment status. Up until this point with our mortgage we 've had great payment status. My husband is has been out of work since XXXX and I do everything I can to ensure our house bills our paid on time. Carrington has a history of complaints with what has happened to us. It has been reported that they " pad '' their escrow accounts to make money and cause people undue stress when raising their monthly mortgage payments. I site the following websites for these complaints of sold loans and problems. XXXX corrected our unapplied cash payment and I have reached out to Carrington about this issue. They have told me there is nothing they can do.

Company response to consumer: Closed with explanation