milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We are a HUD approved foreclosure counseling agency and we are working with a client to try to get her loan modified. We submitted a work out package and have had issues from this company in getting this file for review, giving us one excuse after another as to why this is not moving forward. At one point I was told by one of the representative that it was not unusual that it was taking so long that it could take up to a year ( a prior complaint was sent on this company to CFPB ). We recently received a denial letter stating client did not qualify for any modification program. They listed the NPV test that failed, as the reason for their denial stating that they could not come up with a payment within the program guidelines. This was for both their standard modification and the Home affordable modification. After reviewing their denial letter and the vague explanation for denial I proceeded to perform my own calculation using the figures they had provided. I also performed another NPV test again using most of the information they provided and the result form the NPV test I performed was positive and it state the client may qualify. My concern is that this file is a rather difficult file since the client has rental income as her primary source of income and other outside the box issue that this company did not do a accurate and complete review of this file. I believe a experience and knowledgeable underwriter needed to be the one assigned to this file as they would have been better equipped to understand how to underwrite. Also looking at the way this file started and the issues we have had since the inception of this review, I question the commitment this company has had to truly assist this client. I feel that it has been demonstrated through their action that they may have used whatever excuses to deny my client instead of working to approve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: We have an impounded mortgage account so our mortgage holder collects both our property taxes and our homeowner 's insurance and pays these. Our insurance agent contacted us onXX/XX/XXXX. She was unable to collect payment of {$1700.00} for our home owners insurance from our new mortgage company, despite contacting the company 7 times since XX/XX/XXXX. I contacted the company, Nationstar Mortgage, on XX/XX/XXXX to explore this issue and request payment since payment was due on XX/XX/XXXX. I spoke with an agent in the XXXX. She explained this often happens with new accounts and she would correct this. I contacted the company the next day, when I did not receive a confirmation phone call or the tracking number I requested. I learned there was no documentation in my account regarding the previous days call. I was informed my insurance company was not in their system and that was why they could not send payment. I spoke with both an agent and a supervisor and was assured the situation would be resolved and a check would go out on XX/XX/XXXX or XX/XX/XXXX. I was also promised a conference call with myself and my insurance agent the following day,XX/XX/XXXX, which did not happen. AS of today, XX/XX/XXXX, payment has still not been sent, despite both my insurance agent and I contacting the company again on XX/XX/XXXX and XX/XX/XXXX. However, I was told the check had been written and it would be mailed today. I am in jeopardy of loosing my homeowners insurance and seem unable to resolve this situation so I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days in the months of XXXX, XXXX, XXXX, nor XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 07/30/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Lender not willing to postpone scheduled sheriff sale to allow us to work on a short sale. We currently occupy the property and have a buyer interested in our home

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX I pulled my credit report and there was a collection on my account for {$20.00} by Certegy Check services. I contacted their office in XX/XX/XXXX via the telephone, XX/XX/XXXX by mail, XX/XX/XXXX by phone, XX/XX/XXXX by phone and XX/XX/XXXX by telephone to no avail. The identified the debt as XXXX XXXX XX/XX/XXXX. 

I do not have any responsibility for the debt they are trying to collect. I have contacted the XXXX and was told I have {$0.00} outstanding items with them and confirmed with my bank that there were {$0.00} overdraft/NSF charges in XXXX. I attached bank statements showing the amount charged cleared the bank. I contacted their office and spoke to a manager after I was hung up on XXXX times. She claimed I had XXXX outstanding claims with their office. 

I requested in writing on XXXX XXXX : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. This is including proof of the initial debt, my authorization to collect the initial debt, proof of your license into collect in the state of XXXX and XXXX. 
I received a response to my letter dated XX/XX/XXXX saying they are unable to provide a copy of the check because it was an electronic. They also indicated that it was dishonored by my banking institution which is not the case. I provided my bank statements and match the amounts in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I WAS A VICTIM OF XXXX XX/XX/XXXX PRE DATORY LENDING, MY ORIGINAL LOAN FROM XXXX WAS TRANSFERED TO XXXX XXXX XXXX AND NOW NATIONSTAR MORTGAGE LOAN NUMBER XXXX ADDRESS XXXX TEXAS.TEL. NO. ( XXXX ) XXXX EXT XXXX XXXX XXXX XXXX IS SUPPOSE TO HELP ME, INSTEAD I GOT FORCLOSE AND SOLD MY HOME TRUSTEE SALE ON XX/XX/XXXX.IT SEEMS TO ME THAT PRESIDENT OBAMA 'S EXECUTIVE ORDER XXXX " ESTABLISHMENT OF THE FINANCIAL FRAUD ENFORCEMENT TASK FORCE ' WAS IGNORED BY NATIONSTAR EXPLICITLY ACKNOWLEDGE THE EXISTENCE OF SIGNIFICANT FINANCIAL CRIMES AND OTHER VIOLATIONS. IN XX/XX/XXXX.XXXX SETTLED BUT THIS IS NOT HAPPENING TO ME. 
NOW I AM FACING EVICTION BY THIS COMPANY XXXX XXXX XXXX XXXX. ADDRESS XXXX, CALIFORNIA XXXX TEL. NO ( XXXX ) XXXX, MANAGER NAME IS XXXX XXXX .I HAVE BEEN HARRASSED AND PERSON KEEP COMING TO THE HOUSE ASKING ME WHEN TO LEAVE. '' I NEED HELP '' ANOTHER AGENT NAME XXXX XXXX, FINDING SOLUTION CAME TEL. NO ( XXXX ) XXXX OR ( XXXX ) XXXX.I WAS REALLY SCARED.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the NAVY Credit card and the XXXX credit card has been paid in-full by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft in XXXX and recently in XXXX through XXXX. I was notified by IRS XX/XX/XXXX that I had been a victim of Identity theft which I was advised to check my credit report as well. When I checked my credit report I found two accounts that I did not recognize. They were XXXX and Monterey Collections. Once I found this I contacted the credit reporting bureau to place a fraud alert and to dispute those items. I submitted police report, IRS affidavit as well as ID social security card and an insurance document to verify my identity. I sent it to XXXX and XXXX Credit Reporting Bureaus and I also sent it to XXXX and Monterey Collections. After that I recieved a letter from Monterey Collections stating that they legally did not have to verify any information with me because of a 30 day clause. So, I did contact them and let them know that I just became aware of the situation that I have forwarded all documents to prove that this information was not mine. I also told them that another company was also reporting this information on behalf of XXXX. After that there was no other correspondence with either of the two companies. XXXX sent me a contract where they had my name and my husband 's name. So XXXX asked did I know who could have done this, I told them that I was not aware and I have not heard back from them either. But what they have done, they have sent to XXXX and XXXX that those account have been verified. However, those accounts that they are saying that are verified are not mine and they are only one account that is being reported as two. I then submitted a letter to both XXXX and Monterey on XX/XX/XXXX, since they said that they would not verify the account with me. In my letter I requested validation of the accounts pursuant to 15 USC 1692G Section 809B of the FDCPA. I also included in this letter that until the items that I have requested have been validated that they are not to continue to keep reporting to the bureaus and that they have 30 days from XX/XX/XXXX to provide documents of which they have not done. Also XXXX claims that these items are no longer appearing on my credit report which is false information. They are still reporting as a Open/late account and Monterey Collections is reporting as Open/Collection. I spoke with XXXX with Monterey Collections on today, XX/XX/XXXX who stated that she received my letter requested for Validation and Cease and Desist of any collection activity and reporting and they have continued to do report false information without providing requested documentation or verifying the documentation I provided to both companies. Therefore I am emclosing those same documents submitted to XXXX and Monterey Collections to your office regarding this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MN).
Issue: Account opening, closing, or management

Complaint: I have banked with Wells Fargo for over thirty years. During this time I have had a line of credit account that was linked to my checking account for overdraft protection that did not charge a fee for transferring funds to checking. On XXXX XXXX 2016, I called the XXXX line to see if that account was still in effect. I spoke to a banker who said she could n't give me the information but could connect me with someone in credit who could give me that information. Before making that connection, she suggested that I could change my link to my savings account rather than the existing account. She did not inform me ( and may not have known ) that this would be a permanent change or that I would be giving up my grandfathered in no-fee contract. When I was passed to the person in credit she told me that my account was still a no-fee account, but that she was unable to make a connection to that account. So she reconnected me to a banker whom I asked to please reverse the change and connect to that account. The banker said that this was not possible. So I asked to speak to a superviser. The superviser also said that this was not possible and read me a contract for a different type of account saying that the contract I had had did not exist, when it had existed just a few minutes before. I said that I thought that in Minnesota I had the legal right to reverse the change and he said I should speak to my local bank. The next day, XXXX XXXX, I went to the local bank. The person looked at my account and said that my account had not been changed after all. But on Tuesday the XXXX I found that I was charged for a transfer. So I called the banker who said I needed to talk to someone in the Line of Credit department who could surely reverse the situation. After several calls ( in one of which I was told I to hold while the person found the number and then they never got back to me ) I was given the line of credit number ( XXXX ) and spoke to a credit person who said that although the account is still active, there is a rule that change to such an account can not be reversed. I can not believe that the link to an active account can not be restored, especially to a customer who has been with the bank for 30 years,. Furthermore, when the reason the change was made was due to ignorance on the part of one of their personnel and a lack of informing a client of the implications that were specifically being requested, it seems that the bank has the responsibility to reverse the change.

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 06/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I previously filed a complaint last year to explain the harassment my mother and I were receiving from a Navient. I never received the email with their reply. I did n't know they had replied till I finally logged into the site and saw that the case had closed. I do n't have many hours in the day to take care of things like this. Also, at the time in which the reply occurred I had to switch offices increasing my commute by XXXX minutes each way. I do n't know why, but gmail did not determine that the email was important, so I must have just missed it. I actually thought I was going to receive a call, not an email. 

My mother is still getting calls from Navient from multiple numbers with many different area codes, which she tries to block but they keep popping up like a hydra. They are still emailing both of us. They threatened to go to legal if we did not make on time payments for three months. They said at that point they would take the black mark off our credit reports, now they 've changed their terms stating that they wo n't show us as current till I agree to a payment plan which, unbeknowst is now XXXX dollars a month higher for the life of the loan to pay off the meager XXXX or so I was considered behind on. It was my mother that agreed to the XXXX payments over the phone in desperation because she 's afraid they wo n't get a mortgage now that they are trying to sell their home. Her panic caused me to panic and we 've almost made the third payment. This month they called my mother and changed the terms ... as far as I understand it. I never agreed to any of this, but I gave my mother money pay for what she thought was going to help us. I 'm XXXX myself with overtime to pay this. I ca n't keep doing this and my circumstances have changed. They refuse to take a financial statement from me. I was told in a very snide way that this was my last chance. They are demanding far more than I can afford. The rep was dismissive about my financial situation and refused to listen to me at all. In fact, I have n't spoken to one rep there that did n't over inflate how much money I supposedly had leftover to give them, and now I 'm in a new apartment with much higher expenses. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX  has an account on my credit file for a charge off of  XXXX . This. Account has since been sold to  XXXX   XXXX   XXXX   XXXX   XXXX  who is collecting the debt and threatinf to report to the Credit Bureau. I want   XXXX   XXXX    information removed since they are no longer collecting and I 'm working with   XXXX   XXXX   XXXX    XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: During Equifax 's data breach, my social security, driver 's license, and credit history was taken. All information that was taken could be used to remove freezes from my financial accounts, gain access to my financial, and impact me for the rest of my life. 

They then tried to take away my ability to seek legal counsel or pursue this through lawyers, after their top CEOs made XXXX XXXX dollars and waited 40 days to release the breech. They then attempted to extort people to know if they have been breech. They then collaborated with other credit reporting agencies and third party services, such as XXXX XXXX, to charge their victims for their failure to protect data we did not want them to collect. 

They continue to try to extort me for money to secure my financial information by attempting to charge me for services to monitor my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been trying to rent an apartment and when the landlord checks the credit report and evictions, an eviction from  XXXX  is coming up my on my record, but this eviction was dismissed and sealed in court on  XXXX   XXXX ,  XXXX . The case number  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 04/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I was over 90 days behind on my mortgage payments to Wells Fargo when the issue occurred. I received a letter from them stating that they had information that my property may be vacant which may effect my insurance. On the morning of XXXX XXXX, 2016 I called them and explained the home is a rental and was rented as of last month and is not vacant. I asked if they needed a copy of the lease as proof and they said no, they would update their file. That evening I received an irate call from my tenant stating someone came to the house with an order saying the house has been foreclosed, they needed to vacate, and they were there to change the locks and winterize the home. The people had my name and papers the tenant described as an order. I called Wells Fargo and asked why they are sending someone to my house when I just confirmed with them the home is occupied. They said it was a home preservation service. I explained my tenant is now under the belief my home has been foreclosed on now and they must vacate. If they leave I will not be able to make payments and I will lose the house. I complained to Wells Fargo and spoke to someone in the office of the president. They said I would be contacted in 48 hours about my complaint. As of today no one has contacted me. 

I feel Wells Fargo sending someone to my house to tell my tenants the home had been foreclosed on and they had to leave is an unfair and unethical business 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 10/25/2016 about Debt collection (Credit card) with Halsted Financial Services, LLC. (RI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For about 2 months, I have received several hangups per day. If I call back, I get Halstead Financial Services regarding an 8 year old XXXX XXXX account. If I ask for a letter or do not agree to pay in full right away, they hang up on me. I have blocked over 20 different phone numbers from them yet they continue to call and hang up on me daily. They have also threatened to contact my employer. I am being harassed daily by Halstead Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from grant & weber on XX/XX/2018. The company sent me an itemized bill from XXXX XXXX XXXX saying that i owe XXXX and the interest is XXXX. This is a hippa violation and i plan to sue grant & weber if they do not delete this information off of my credit report. I also do not have a contract with grant & weber.

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