milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (GA).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to postpone the sale date on this file during the review taking place for a loan modification - We were advised the decision will be made on XX/XX/XXXX - this is considered Dual tracking and is a violation of Reg X guidelines - the lender is also not allowing for an appeal period after the decision is made, which is another violation of Reg X. We also have been given incorrect information regarding the file and being serviced transferred as of XX/XX/XXXX which is the current Foreclosure sale date on the property. This review has been on going since the beginning of XX/XX/XXXX with no decision being made - 2 other complaints have been entered regarding this client 's file due to the poor review of this loan and the numerous requests for additional docs that have been satisfied through letter of explanation being submitted regarding the requested information. The reps we speak with also provide incorrect information pertaining to the review and handling of the file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (I do not know) with Lockhart, Morris & Montgomery Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a call from ( XXXX ) XXXX the caller identified herself as XXXX XXXX, she said that she wanted to contact a friend of mine XXXX XXXX and that she had a job offer for a truck driver position, she told me she was unable to contact his partner and I was his emergency contact from his last driving job, and she needed an answer today if possible and could I try and get ahold of him. I asked if this was a debt collection call she said emphatically no!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with Allied Interstate LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Harassing phone calls for XXXX years. I do not owe any money to anyone, this was always a mistake. Told them by phone. Sent them a letter through their organization. Reported them to XXXX. Notified the Attorney General of Virginia. They have called at XXXX on Sunday morning, all hours day and night. It stopped in 2011 after the attorney general notified them to stop. Recently it has started again and I want it stopped before I explode. I am XXXX vet with XXXX and need to have the harassment stop. It is insane that someone who 's paid every bill over his lifetime should be bothered by XXXX like this at age XXXX. The company, Allied Interstate, is obviously run by incompetents and or psychopaths

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account is appearing as a credit line and it is not a credit line. The research I 'm doing shows that it might be a judgement. This should n't be appearing as a debt. There was no line of credit given to me or anyone.

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 02-08-2016 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Late fee

Complaint: I have received my credit card statement and my due date fell on the weekend. One was XXXX/XXXX/XXXX and the other was XXXX/XXXX/XXXX. In each case my payment was made on the first business day following the weekend. I was charged a late fee by Wells Fargo Financial. My understanding was that if the due date fell on a non business day, the payment will be due the next business day. Is this correct?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: Hello, I had a Vehicle loan with Ally Financial from XXXX until XXXX. In XXXX, I was suppose to receive a monetary check from them because of a discrimination lawsuit against them. I have contacted them multiple times because I have not received my check. I am in need of assistance to get them to send me my check.

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 10/17/2016 about Debt collection (Medical) with Phoenix Health Care Management Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The facility XXXX XXXX XXXX XXXX XXXX failed to send me an initial bill and then after several months sent me a notice PAST DUE 90+ days. The remaining part after the insurance was {$11.00}, I paid it immediately upon receiving notice. I have a copy of the front and back of the check clearing my account on XX/XX/XXXX. The facility continues to send notices to collect payment. I have spoken with the billing department. On a separate instance I spoke with an office manager and explained I paid this already. Now more than a year after the date of services XX/XX/XXXX I 'm getting a notice from a collection agency HSI Financial services to collect on a debt that was already paid. I ca n't remember that far back, but thank God I kept organized records otherwise we would probably have a different outcome. This feels like harassment, I have spent hours going back and forth explaining this was paid. This is only {$11.00} but for others where the bill is higher this seems unfair and unnecessary stress! I have provided copies of the cleared check. I have done my part they need to update their records and stop sending me notices to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: This mortgage was modified some time back. It was transferred in XXXX of XXXX to Nationstar Mortgage for loan servicing. There were some '' lender paid expenses '' apparently sent with the loan servicing from the Modification. Every month since XXXX of XXXX, Nationstar, the new loan servicer, keeps taking part of my normal payment and apply towards these " fees '' instead of to my mortgage payment. 
( I was told that these fees can not be collected up front, if XXXX did not actually roll them into the modification balance that I signed for, they could be collected when we either sold the property or refinanced it ) Every month They keep taking monies from my monthly payment, then reversing it, then adding it again.. 
Now they have sent me back a check, copy imaged in for {$940.00} because they took XXXX applied towards Lender Paid Expenses, again Now I am behind again and they told me today, that I owed another XXXX with the XXXX check I have returned from them to Complete my XXXX XXXX XXXX payment/

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My family was faced with both a health and a financial crisis in XX/XX/XXXX. The HAMP program was announced we qualified so we applied through the debit collector OCWEN. Inadvertently we painted a huge bull's-eye on our backs by helping OCWEN identify a property with plenty of equity and owners in distress. We were forced, with threat of IMMEDIATE FORECLOSURE, to signed an illegal loan modification that turned our Home Equity Line of Credit without escrow ( remember no ESCROW ) into a loan with a balloon payment and an escrow requirement. 
Six months later ( sound familiar? ) my payment went through the roof. Ocwen, the debit collector, claims to have miscalculated escrow. 
We have an illegal mod according to Texas law and we ca n't get an attorney to following through. Fact is the first attorney pawned us of on the second attorney without telling us. The second attorney had some kind of breakdown and as far as I know has not been heard from since. I found out and went back to the first attorney who we subsequently fired. By the time we found the third firm the laws in Texas were changed to allow balloon payments on Home Equity Lines of Credit. We did go to court, or rather the firm went to court, we were asked specifically not to attend the hearing. I have attached the letter from the firm that states " As you are aware, the litigation against you has been dismissed and our services are complete. '' We think we have stopped the foreclosure but we have not. There should have been an appeal filed within 30 days of this decision but it was not. The firm basically quit before it was over. 
In XXXX XXXX Ocwen, the debit collector, along with the firm of XXXX XXXX XXXX XXXX XXXX ( operates like XXXX XXXX XXXX ) files for foreclosure with the same tainted documents and signatures as the last time and that is o.k. with the courts in Texas. We hire yet another firm. We have a certified audit that shows over {$20000.00} of our money was never credited to our account. Crazy fees were charged that were never disclosed. We have real evidence of the attempted theft of our home but Texas courts say none of this matters. Ocwen, the debit collector, has all the leverage so their partners in crime the aforementioned XXXX XXXX XXXX have served up another XXXX complete with an escrow requirement. In this XXXX it is spelled out that at anytime Ocwen, the debit collector, can and should be expected to jack around with the escrow account. So in six months time we will be right back where we started in XX/XX/XXXX. We are going to ask that the escrow be eliminated as we have always paid our own taxes and insurance. Our request will be denied because escrow is where the fun is at for these leeches.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I HAVE MY BANK ACCOUNT WITH WELLS FARGO BANK IN XXXX XXXX NEVADA. I LIVE IN XXXX XXXX XXXX AND AFTER 8 YEARS LIVING HERE I AM RETURNING TO XXXX XXXX MONDAY XX/XX/XXXX WITH XXXX XXXX. TONIGHT I DISCOVERED WELLS FARGO CANCELED MY DEBIT CARD AND NEVER EMAILED ME ABOUT TAKING THIS ACTION ... .MY MONTHLY CHECK IS TO BE DEPOSITED INTO MY BANK ACCOUNT BUT I HAVE KNOW WAY OF WITHDRAWING CASH FROM A BANK MACHINE HERE IN XXXX . 
I NEVER ASKED THEM TO CLOSE THIS BANK CARD DOWN ... THERE WAS AN ISSUE WITH XXXX XXXX CHARGING ME {$100.00} FOR AN UPGRADE TO MY TICKET AND I ASKED WELLS FARGO HOW TO CORRECT THE PROBLEM ... THEY SAID TO CANCEL MY CARD AS NOT TO HAVE A FRAUD ISSUE. I TOLD THEM " NO-WAY '' AND NOT TO PURSUE THIS THE PROCESS OF CLOSING THE CARD ... THEY TOLD ME OK ... AND VERIFIED MY CARD WORLD BE USABLE ... THEY LIED AND SHUT MY CARD OFF LEAVING ME STRANDED IN A FOREIGN COUNTRY WITH NO FUNDS TO TRAVEL WITH ... THEY OFFERED NO SOLUTION AND THE SUPERVISOR HUNG UP ON ME ... THEY COULD CARE LESS FOR THEIR MISTAKE ... 
2 YEARS AGO THEY DID THE SAME THING TO ME CLOSING 2 BANK CARDS DOWN ONCE AGAIN LEAVING ME STRANDED ... I AM SO FED UP WITH WELLS FARGO THEY ARE THE MOST ASININE BANK IN THE WORLD AND OVER MY LAST 4 YEARS OF BANKING WITH THEM HAVE DONE SEVERAL THINGS TO ME CAUSING HARDSHIP AND STRESS BUT NEVER EVER ANY SOLUTIONS TO THEIR INCOMPETENCE ... 
THEY NEVER HAVE THE SAME STORY OR INFORMATION TO OFFER UP FOR THEIR ACTIONS ... THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING ... I CALLED TONIGHT SPEAKING WITH A CUSTOMER SERVICE AGENT WHO TOLD ME MY ACCOUNT HAD NO PROBLEMS AND ASSURED ME ALL WAS OK. I HAVE A PAYMENT DUE FROM A BUSINESS I MAY A MONTHLY PAYMENT TO ONLY TO DISCOVER THEY COULD NOT ACCESS THE ONLINE PAYMENT. AFTER CALLING WELLS FARGO 3 TIMES FINALLY I GOT THE STRAIGHT ANSWER ... MY CARD WAS SHUT DOWN ... BUT NO COMMUNICATION BY EMAIL OF THIS ACTION ... THEY HAVE NO PROBLEM EMAILING ME FOR STUPID STUFF BUT ANYTHING SERIOUS ... NOTHING!!! 
WELLS FARGO IS NOTORIOUS FOR BAD SERVICE AND CHARGING FEE 'S TO RIP OFF THEIR CUSTOMERS MAKING BILLIONS ONLY TO PAY A FINE AND FIND THE NEXT WAY OF REPEATING BAD SERVICE AND SCRUPULOUS CONDUCT BEING GREEDY AND JUST PLAIN THIEF 'S ... 
UPON RETURNING I WILL CLOSE EVERYTHING DOWN BUT THEY NEED TO BE HELD ACCOUNTABLE FOR THEIR MISTAKES AND ACTIONS AND LACK OF CONCERNS ABOUT THEIR CUSTOMERS WELL BEING OR EVER TRYING TO GO THE EXTRA MILE BUY WIRING ME FUNDS WHICH THEY WILL NOT DO ... 
I AM LEFT IN AN EMERGENCY SITUATION ... AND THEY CARE LESS ... DESPICABLE TO SAY THE LEAST ... XXXX OFF IN XXXX TO SAY THE LEAST!!!

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 12-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Last week I called my local XXXX XXXX XXXX landline phone and internet provider to ask if it was possible to have an additional phone line installed at my residence in order to get additional internet service for my grown son. Without ever answering my question or asking or notifying me, the agent ran a hard credit inquiry on my credit that I discovered on XXXX XXXX, 2015, which had taken place on XXXX XXXX, 2015 ( Equifax ). I called XXXX on XXXX XXXX, 2015 and asked them to remove it because I did not authorize it, but they refused. The agent said I would need to contact the credit reporting company for that. I contacted Equifax and the agent said I would have to contact XXXX XXXX XXXX and ask them to submit a request for removal. I called XXXX back with the information I had learned and after hours of being transferred, hung up on and speaking with the various unhelpful agents, no one did anything to help me. I urged the last agent to listen to the recording to prove that I did not authorize the inquiry. She said XXXX XXXX XXXX would call me back that same evening. No one called back. I spent over four hours trying to resolve this with XXXX XXXX XXXX yesterday and I really need your help, as no one seems to care enough to do something about this but me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm a victim of identity fraud. I recently checked my credit and received notification from this company that an account was opened in my name. Upon calling the company we were able to ascertain who opened the account in my name and they have contacted the individual and currently in the process of handling the matter with that person

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I FILED A COMPLAINT ON XXXX XXXX, 2015 XXXX XXXX ) IN REFERNCE TO NATION STAR AND MY MODIFICATION PROCESS AND THE WAY IT WAS BEING HANDLED. AFTER THAT TIME I RECEIVED AND LETTER AND A CALL FROM NATION STAR STATING THEY DID N'T RECEIVE ALL THE DOCUMENTS FROM ME IN WHICH IT WAS N'T A TRUE FACT BECAUSE I WOULD N'T HAVE FILED WHEN I DID. SINCE THAT TIME I STARTED THE WHOLE MODIFICATION PROCESS OVER AND ATTENDED TO IT AGGRESSIVELY TO MAKE SURE IT GOT TO UNDERWRITING. MY MODIFICATION MADE IT TO UNDERWRITING ALL DOCUMENTS THAT WAS REQUESTED WAS RECEIVED. SO I HAVE TO CALL AND FOLLOW UP PERIODICALLY IN WHICH I DID AND I SPOKE TO A REPRESENTATIVE ON XXXX XXXX, 2015 AND WAS ADVISED THAT MY MODIFICATION WAS DENIED STATING THAT I DID N'T MAKE ENOUGH IN WHICH I ASKED HER CAN I HAVE THE DETAILS OF THIS DECISION AND I WAS TOLD THAT THEY SAID MY INCOME WAS {$3700.00} A MONTH IN WHICH IT IS NOT TRUE AND IS NOT IN MY MAKING HOME AFFORDABLE APPLICATION, NOR IS IT ON MY INCOME DOCUMENTS IN WHICH I HAVE PROVIDED. I HAVE A NET INCOME OF XXXX. XXXX A MONTH WHICH IS ENOUGH TO PAY MY BILLS. NATION STAR INSISIT IT 'S TRYING TO HELP HOMEOWNERS SAVE THERE HOMES, THIS WHOLE PROCESS HAS SAID OTHER WISE. I REALLY NEED HELP WITH THIS PROCESS ALL I 'M REQUESTING IS TO HAVE MY INCOME CALCULATED CORRECTLY AS STATED AND SHOWN IN MY APPLICATION PACKAGE AND ALSO I PROVIDED CURRENT TO DATE VALUES OF HOMES IN MY AREA TO GET A VALUE ON MY HOME BECAUSE IM UPSIDE DOWN IN VALUE AND ALSO THAT HELPS IN DETERMINING PAYMENT AMOUNTS. I PERSONALLY DID RESEARCH ON THIS GOVERMENTS MAKING HOME AFFORABLE PROGRAM AND IT STATES THAT IT EVEN HELPS A PERESON ON ( UNEMPLOYMENT ) HELP TO SAVE THERE HOME. IT 'S MADE TO GO THAT FAR AND THAT 'S GREAT ; BUT WITH NATION STAR THIS PROGRAM THAT 'S HERE TO HELP FAMILY 'S SUCH AS MINE IS BEING PRESENTED TO BE DISCOURAGING AND MENTALLY DAMAGING, BUT THIS COMPLAINT WILL INSIST THEY HERE TO HELP UNDER THIS GOVERMENTS PROGRAM ... ( PLEASE SOMEONE HELP ME WITH THIS PROCESS ), I HAVE DONE EVERYTHING THAT WAS ASKED OF ME, CALLED EVERYDAY, SENT ALL DOCUMENTS, SAT AND WAITED TO HAVE MY INCOME TAKING AWAY AND DEINED HELP ONCE AGAIN, TO HAVE MY FAMILY AND I ON THE STREETS ... THIS IS TOTALLY UNFAIR!!!! 

I HAVE ATTACHED THE MAKING HOME AFFORDABLE APPLICATION PROVIDING MY INCOME WHICH WAS NOT CORRECTLY APPLIED TO MY APPLICATION AND ALSO A COPY OF THE CURRENT VALUES OF THE HOMES IN MY AREA TO SUPPORT THE DOCUMENTS, ALONG WITH THE RMA APPLICATION ; TO HELP WITH MY CURRENT PAYMENTS OR TO HELP GET A CORRECT VALUE OF HOUSE IN MY AREA SUCH AS MINES. THE ATTACHED SUPPORTING DOCUMENTS THAT WAS PROVIDED TO NATION STAR TO HELP SUPPORT MY COMPLAINT. I WAS ONLY GIVEN CREDIT FOR {$3700.00} ; WHICH IS AN INCORRECT AMOUNT. IF YOU MINUS MY BOTTOM LINE NUMBER MY INCOME IS GREATER THAN WHAT WAS IMPOSED IN THE MAKING OF THEIR DECISION AND ALSO IF YOU 'RE MAKING A DECISION OFF CURRENT VALUES MY INCOME CAN WELL SUSTAIN MY MORTGAGE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Debt collection (I do not know) with Receivables Performance Management, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep receiving frequent, incessant phone calls from a company that asks for me by First and only part of full name. They offer themselves as XXXX XXXX. I have repeatedly asked them to cease calling my nbr  and was told that they would respect my wishes ; however, have cont 'd and I believe increased calling.

Furthermore, I share the Nbr they are calling. A lady yesterday was told that I was not whom the person was speaking to and that moment someone besides myself was asked for info that they should not and the caller identified herself, company and gave up way too much info ; including, my private, protected info. The family member asserted that this is not the correct practice to solicite info and give up info and the lady quickly stopped ; however, upon call 3 more times, she was told to stop calling the nbr ... She agreed and yet, they continue to call multiple times and sometimes back to back ; including hanging up ...

XXXX is one nbr  that called at XXXX on XX/XX/XXXX ( sub no contact request and grant ) XXXX ( SAME ) at XXXX XXXX SAME nbr  : XXXX  and XXXX XXXX XXXX as well I have copies of phone records and witnesses to repeat dialing, solicitation of private, confidential info to personal family and work members and refusal to stop calling me during work hours and on work 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 04-12-2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I wrote M & T Bank this letter on XXXX XXXX, XXXX and mailed it the same day. As of today, XXXX/XXXX/XXXX there is no response. 

This letter is in regards to the Mortgage Insurance on my loan. This loan was originally done in XXXX by XXXX Bank. It was sold to M & T Bank within the past year or XXXX. When I originally got the loan, I was told the PMI would go away after 5 years OR after reaching 80 % LTV on the home. 

As of today, the home value has increased enough to be at 80 % LTV and the 5 year mark will be this XXXX XXXX. I did a XXXX Refinance to lower the rate, which I was also told would not affect the timeframe. I was also told if I wanted to get rid of the PMI sooner, I could have an appraisal done proving the equity was there. 

I just got off the phone with a representative today ( XXXX/XXXX/XXXX ) who told me I would not be able to get rid of PMI until XXXX. According to this representative the guidelines are different. She mentioned I have to be at 78 % LTV AND 5 years with the property. According to your system the 5 years started after the XXXX ( I was told it would not make a difference due to the type of loan ) The balance on the mortgage has to be at 78 % LTV from the purchase price, around {$120000.00}. 
In this case, there is enough equity in the home to meet the 78 % and this XXXX will be 5 years. The PMI should go away in XXXX XXXX.

Company response to consumer: Closed with explanation