milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: We paid the mortgage on time for many years. Then there was illness XXXX XXXX was hospitalized on numerous times. Then there was XXXX in the family. 
Then their sum was put into correctional facility. Then they took their car and they could not get to work. 

The Nation Star Loan Service will not work with us. The reason they stated was that we had to wait until 2018.  House home is already in the foreclosure status. 
We paid XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX to help us. They charged us {$3500.00}. so far we have paid them {$2600.00}. They could not get us a modification from Nation Star Mortgage we asked them to return our payments but they wo n't. 
The contact person is : XXXX - XXXX XXXX - XXXX At this point we are waiting for help in getting the Nationstar Mortgage to work with us. 
When we received the modification we had no choices take it or lose our home. We had a sale date at that time this was the only way to stop the sale and keep our home. 
Please help us we have XXXX children XXXX under the age of XXXX years old. Please help us work with Nationstar mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX XXXX. was sold to a company called SLS, LLC. Since the onset in XXXX 2015, it has been a nightmare. 1. I could not get my mtge. paid to XXXX as I got the notice after the XXXX of XXXX 2015. I went to XXXX to make my regular mtge. payment and they could not accept it but also, could not tell me my new account information. 
I got the SLS info when I returned to the stack of mail. I called them and they did not have an account # assigned yet. I sent the payment in ( late ) and that has lead to a whole set of problems. 
The current situation is they have stopped sending me a monthly remittance/advice to use to send in a payment. I have been just sending in the check and using the account information given. I have just received a XXXX statement dated XXXX on the day of XXXX in todays mail! It is asking for XXXX on a mtge. amount that is XXXX, they have had it XXXX since day XXXX. 
What I need to happen:1. Who holds my mtge. 
2. I went through the HAMP and for the next 5 years I have a mtge. that can not be changed and/or sold. How did this happen? 
3. I want XXXX to take back the mtge. from SLS, LLC4. SLS has a unscrupulous reputation - how are they allowed to operate? 
5. Is there a class action lawsuit pending against SLS? 
6. If not why and when can I start one? 
SLS loan # XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, CT XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX ( XXXX ) and XXXX ( XXXX ) they have removed the additional hard inquiries from my report. Experian ( XXXX ) will not even look at them and several of them are duplicates. They refused to investigate until I get a letter from the same company I did not give permission to pull my report. 

Experian has ( XXXX ) different hard inquiries on my credit report that are not accurate.

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 05-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Managing the loan or lease

Complaint: I bought a used car in XXXX from XXXX and financed it through Santander USA. I paid {$15000.00} for the car. I admit that I was going through a personal and professional crisis at the time and did not pay enough attention to the deal. When they told me my interest rate was XXXX it did n't make a difference to me, I needed a car immediately in order to get to work. I have now made XXXX payments on that car. The loan is maturing XXXX XXXX, XXXX. The principal is {$8600.00} and the estimated payoff is {$10000.00}. It is a XXXX hole of a loan -- having paid them in excess of {$27000.00}, I have a car that is virtually worthless -- and they still want another {$10000.00} from me. How can I have this loan adjusted to a realistic state and stop being charged extraordinary fees keeping me in what is in essence a predatory loan?

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian refuses to remove this from my credit. The bankruptcy courts of XXXX Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.

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 07/13/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Payoff process

Complaint: I purchased some appliances at HHGregg in XXXX around a year ago. The salespeople told me you can save some money if you open up a credit card account with them interest free. I did open up the account and have been making all my payments. Last month I was shocked that my balance went from XXXX to XXXX. The salespeople did not explain that my interest free account was not really interest free but deferred. The place of purchase is no longer in business and that store is closed. I in good faith took the interest free card and was looking for my final payments in a few years. 
This amount of interest is unethical. The loan if I keep making payments will never be paid off. I am retired and this interest amount amounts to over 6 weeks of my pension. 
I honestly believed that my loan was interest free like the one I have with Solid Wood Cabinets through XXXX XXXX. I feel deceived by the pressure to purchase a credit card not knowing the deferred interest clause.

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 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: after   having a Wells Fargo Master Card for over 15 years, I was advised I was being issued a Wells Fargo Visa Card, which followed with several account # 's.
<P/>
Each month I would pay the bills but they would not show credited to my original account numbers, and sometimes would be credited to Wells Fargo Card Services.
<P/>  In the meantime they refused to give payment for my reward points, saying I was using my incorrect birthday, my birthday has always been  XXXX .  <P/> I WOULD LIKE TO S  ETTLE THIS MATTER. 1 ) I WOULD LIKE MY BIRTHDAY CORRECTED. 2 ) CANCEL ALL W/F Credit Cards, Visa or Master Cards/written confirmation ), without effecting my excellent credit rating 3 ) I would like to receive credit for all late fees and interest accumulated during this process. Est {$75.00}. 4 ) A check for my rewards earned approx. {$75.00} 5 ) After all of the confussion over these unsolicited credit cards and payments, no balance and a {$1000.00} settlement.
<P/>
After all of the years dealing with Wells Fargo, Checking, Mortgages and Credit Cards,   this is very disappointing. I have exchanged a number of letters and proofs, still no resolution. I am almost  XXXX  years old and do not want to be involved any longer with this matter.  <P/> Please Help Me.  XXXX   XXXX   XXXX  (  XXXX  XXXX  XXXX  )  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Washington  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 10/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Other fee

Complaint: I received a statement for my credit card, which shows {$1.00} as a Fee Charged in the Account Summary box ( in the top left of the first page ). Then in the Transaction Detail box ( in the middle of the first page ), it lists the {$1.00} as " Minimum Interest Charge. '' But when I look at the Interest Charge Calculation box ( in the middle of the third page ), it does not reflect any dollar amount as a " Balance Subject to Interest Rate. '' I do n't understand why I was charged the {$1.00}, and I do not know if the provider does either seeing as their statement is so conflicting with the information. This looks to be a UDAAP violation as it is unfair to charge a fee that I can not trace its origination, as well as deceptive.

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 monetary relief
Consumer complaint received 10/22/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: From XX/XX/2016, to XX/XX/2016, no Capital One Bank personnel or emails/correspondence ever corrected the unfair, incorrect, confusing, misleading, misinforming and confirming information I was given by a Capital One XXXX number customer service representative on XX/XX/2016. I was unfairly, wrongfully, incorrectly, misled, misinformed and confused to believe that several consumer reporting agencies were used to determine my credit score and no Capital One Bank personnel ever informed me that statement was totally unfair, wrong, incorrect, misleading, misinforming and confusing and because of that very simple fact, Capital One Bank must and should remove all of the Capital One Bank related inquiries on my XXXX credit file. I 'm looking into all of my legal options and I do plan on suing Capital One Bank for personal financial damages, improper, confusing, misleading and misinforming business practices, tactics, information gathering, investigating process, information provided to me and representation of product.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: Lobel Financial assessed a mandatory insurance policy on a vehicle financed through them even though the proper and required proof of insurance was provided to their legal and insurance departments on several occasions by myself and by my insurance agents. 

The policy premiums for the coverage assessed on the vehicle were prorated on a monthly basis and added to the monthly payment on the vehicle. Despite repeated phone calls and faxes by my insurance agents the assessment went in for a period of approximately 30 months. Additional attempts to provide proof of coverage were to no avail. Lobel Financial was informed the account should have been credited for the accrued mandatory insurance premiums by XX/XX/2016 else legal action would be brought. 

Company representatives provided assurances that the insurance issue would be taken care of and that the amount credited back to the loan balance would be used to offset future payments due. On XX/XX/XXXX the company proceded to repossess the vehicle on grounds of missed payments on the account. On XX/XX/XXXX upon contacting the company to cure the loan to recuperate the vehicle the company representatives stated that the only available venue to get the car back would be to pay the remaining balance in full. 

Their excuse for proceeding in such manner was the allegation that the vehicle was being used to commute back and forth from XXXX contrary to the loan terms. Upon review of the loan documents said clause is obscure and unclear and therefore subject to many interpretations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Currently I have a loan with Wells Fargo; I have asked many times to lower my interest rate since my ability to pay has gotten more reliable.I also asked my Dad to be removed as XXXX I have imposed a burden on him for far too long and I stand on my own 2 feet.  I am now married with XXXX kids and a house; my ability to pay  should not be in question.A lower fixed interest rate would help me and my family immensely.Thank You

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 11/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received communication that I owed a debt to an old apartment complex I stayed in for only a month. I left the place because of their lack of security, roach infestation and loud obnoxious neighbors. I went to court because they said I had not paid my rent. I had money orders etc to show it was paid yet they still sought legal action against me. I responded to the judge and explained the situation thoroughly. The judge then waited the allotted time for the lawyers to respond and they never did. The case was then dropped due to lack of prosecution. I found out later when applying for a job that the apartment complex sold the assumed debt to a third party debt collection agency. I sent over the court documents showing the case never had a judgment placed on me yet they still try and pursue payment. I submitted documents to the credit bureaus and all debt was removed from my credit reports. This month I tried applying for a loan and was denied because a eviction showed up on my credit report. I need this stressful situation resolved because they are causing me undo stress as well as embarrassment.

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

Complaint: I have repeatedly received collections against my credit from these collectors. I always have to contact the credit bureaus and get them to clear out the collection. I have no knowledge of this collection. I would like to stop being harassed by these collectors about something that is not mine. I do n't have any bills from them and I have no information about this. They repeatedly add collections to my account even though I have told them to stop many times. They must stop trying to collect debt I do not owe.

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 ID Analytics, Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently applied for a car loan thru XXXX XXXX. I was denied thru SageStream LLC. I received a credit score of XXXX. This happen on XX/XX/XXXX. My XXXX Score is XXXX. They are using information from 10 years ago. I am not delinquent on any accounts and pay everything on time. Credit used with my credit limits are too high. Why is my score so low with this company. Never heard of them. From reading other complaints I believe this is a faurd company. I would like this searched into. It is effecting my credit I have worked so hard to rebuild

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Payoff process

Complaint: I need to set my account up on a long term hardship plan and they are telling me that the offer is not available. I am trying to responsibly take care of my debt and have worked with several other credit card companies who allowed us to close the accounts and put them on a 4-5 year re-payment with a reduced payment and an apr of either 0 % or the prime rate. Capitol one was unwilling to help since I am not behind. Why is there a need for me to further damage my credit to get some assistance? I need some assistance to see if they are lying to me and avoiding offering the hardship program because this is the only company that has been unwilling to work with me. I spoke to a man named XXXX operator number XXXX. I felt like he was not providing all of the information that I needed and I asked if he could transfer us to another supervisor so we could confirm that this is all that could be done and he said he could n't transfer the phone that we had to call back. When we called back we spoke to a supervisor named XXXX operator number is XXXX she said she understood our concerns, but she kept referencing the notes that XXXX put in the computer on the account. My wife and I are trying to avoid bankruptcy and are underemployed we need to close our accounts and pay off our debt. Is there any way we can have assistance obtaining a long term hardship repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit card () with Comerica (TX).
Issue: Other

Complaint: I WENT ON XX/XX/2016 TO THE ATM MACHINE IN XXXX TX AND I RECIEVE FROM SOCIAL SECURITY {$750.00} A MONTH THE ATM LET ME DO ONE TRANACTION ON MY CARD WHICH COST ME {$300.00} I TRIED TO DO ANOTHER TRANACTION ON MY CARD AND THE ATM DENIED THE TRANSACTION WHEN I GOT HOME I CHECKED MY CARD AGAIN ALL I HAD ON IT WAS {$150.00} LEFT ON MY CARD. WHEN IT SHOULD HAVE BEEN CLOSE TO {$300.00} LEFT OVER FOR A TOTAL OF {$450.00}. ALL I WANT IS THE REST OF MY MONEY FROM DIRECT EXPRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested for validation within XXXX days or to cease communications and this was not honored. ( XXXX/XXXX/15 ) I received another letter from the collection agency ( XXXX/XXXX/15 ) which is a violation of the FDCPA as validation was not provided. I sent another letter on XXXX/XXXX/15 requesting for validation again and granted another XXXX days. Validation was NOT provided to me and I am requesting that all communications be ceased, and that this account be removed from my trade line. 

Given the FDCPA violations described above, I am seeking damages for each offense up to {$5000.00}. 

Your response is greatly appreciated as soon as possible, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The borrower submitted a modification application through counsel on XXXX XXXX, 2015. More than five days have passed and the borrower has not yet received the notice required by XXXX XXXX Section XXXX XXXX b ) ( XXXX ) ( i ) ( B ) stating whether his loss mitigation application is complete or incomplete, and if incomplete, the additional documents and information he must submit to make the loss mitigation application complete.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with CITIBANK, N.A. (UT).
Issue: Other

Complaint: We have a CitiBank Home Depot credit card. While shopping at Home Depot in XXXX 2014, I did n't have any cash and even forgot my Home Depot Credit card with Citibank. They agreed to let me use it and they looked it up for me and charged the {$82.00} and I left. 
About 2 months later, we had a recording on our home phone answering machine, stating that our account was 60 days late. My wife called immediately and asked why we had n't received a statement, and they said they sent it electronically. My wife immediately made the payment and before she made the payment confirmed with the representative that our credit would n't be hurt. 
About a month ago, we are purchasing a XXXX home and had my credit pulled and come to find out that CitiBank/Home Depot had reported this {$82.00} 60 days late on my credit. We wrote a letter to Citibank and disputed it with the credit bureaus to come to find out that Citibank will not remove it. We never received the statement, either paper or electronically. They claimed they sent it out to an email and my wife and I NEVER received it. Citibank illegally reported to the credit bureaus that I was 60 days delinquent on my account for a {$82.00} charge. 
This has damaged my credit score and prevented me from obtaining a better interest rate due to CITIBANK/Home Depot lack of sending me a statement to inform me that I have a debt/payment due. 
I would be satisfied if CitiBank/Home Depot removed the 60 day late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I found items has been reported to my credit history that 's not even belong to me and those items has damage my credit and my financial life

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