milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to reduce of income I did applied for a loan modification with my mortgage provider ( Saturus Bank ) This process began on XX/XX/XXXX after sending all modification requirements I received a four month Trial package on XX/XX/XXXX the trial began I payed on time as the modification agreement.after completing the trial the modification approval arrive on XX/XX/XXXX. I keep making my payments on time. and Contacting the lender every week. as of today the modification is not finalized due to XXXX XXXX is the owner of my loan and they are reviewing and eventually approve it. my lender keeps confirming that this process could take up to Six months for XXXX to be approve. I been contacting supervisors to get an strong answer of the delay, but every week I received the same answer is under review and keep making your payments .on the other side I received one or two phone calls from the bank requesting payment of the past due and threat me that if I do n't pay the balance I will be in foreclosure and loose the property. My answer is that I am on a modification process and is not finalized. I am requested the bank representative to please check the notes to understand the process and treating me with foreclosure actions.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX Mortgage refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for XXXX consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. 8 months later we were notified that the original mortgagor XXXX Mortgage filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX Bank. We wanted a 30 day close on the property but because of the mishap with XXXX Mortgage it reflects XXXX Bank. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX Mortgage while they were our Mortgagor.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: My ex-husband and I went to BB & T Bank after he was diagnosed with XXXX to add me to his bank account by completing the paperwork and completing a signature card. We brought wirh us a power of attorney, and was told it was not needed because we were both present at the bank. This was done for the sole purpose of getting things in order as we were told he had a minimal amount of time to live. After this was done I did most of the banking transactions which included making deposits and paying the bills. In XXXX 2016 I made a deposit and went back in a few days later to cash a check and they froze the bank account and could not find the signature card. I have unable to pay any bills out of this account. They acknowledge that the problem was the banks error, but said they have rules they have to go by. I am unable to access this account from the funds I have deposited.

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 Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Billing disputes

Complaint: Wells Fargo, a big bank on which one could place the designation " too big to fail '', is actively engaging in fraud, and getting away with it. Since XX/XX/XXXX, they have claimed not to have received one of my monthly payments, and since have placed fraudulent charges and late fees on my card, month after month, though I have always made my payments on time. I have provided them with a XXXX page documentation of my payments, and made clear what is incorrect. However, they have done nothing except continue to engage in fraudulent activity with my account, and call asking why I have n't paid for it. It is destroying my credit, and putting me into a hole from which I will have to recover straight out of college. It is not fair to young people ( or anyone else, for that matter ) to be deceived by the banks that are " too big to fail '', and have their futures tarnished by a mistake which was not their fault.

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 10/27/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XX/XX/XXXX I opened a Capital One credit card acct. It was a {$500.00} credit limit. In the same year XX/XX/XXXX I lost my job and was un`able to find a job paying more than {$7.00} to {$8.00} an hour. So in XX/XX/XXXX after my unemployment funds ran out, l could n't pay my debt. 

As my debt proceeded to remain past due, the collection attempts were strong and stronger. There were threats of me being sued as well as being garnished from my wages if l continued to not pay my debt. Capital One forwarded my debt to their sister offices to persue collections while building fees on the {$400.00} debt now owing more than the card limit allowed. For each move to their sister offices fees were added, along with late charges. Which now makes the debt look like l owe more than the credit limit allowed. Once Capital One finished sending my account to their sister agencies, they wrote off {$1100.00} and referred my debt to a legal office. XXXX. 
Upon XXXX receiving my debt, they then fowarded my debt to each of their XXXX sister agency offices while adding late fees, collections fees, mailing fees, while attempting to call to collect this debt. 
Still out of work, for each call or letter l received l responded by telling XXXX l was still unemployed and looking for work. Their threats continured with the balance due increasing all the while. Once this debt went to all their sister agencies, l was threaten and told l will pay XXXX way or another. 
After some time had passed, XXXX realized that l was n't going to pay they turned my debt over to their legal team to harass me, threaten me beyond anything l 'd heard, then XXXX gave their legal staff permission to garnish my wages. While my debt has increased with no way to pay, l was still being threaten with all sorts of legal action against me. These garnishments from XXXX agency were sent to many other banks l had no association with. The fees against my debt increased with no end in sight, where as when due deligence was excused it was then learned that my property where l lived was in my husband 's name only and l wasn ' included in name on any of our properties. This is where the {$390000.00} comes with interest accruing @ XXXX percent annual. I would owe this debt until my death! for this was only a {$500.00} Capital One Credit card. 
I did not receive notification of my right to persue this debt, because l was told as well as hollered at in paying this entire amount off asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2015 about Debt collection (Federal student loan) with ConServe (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Threaten and did garnish XXXX Check for a federal loan that was discharged through the Ombudsman Office, and XXXX loan that was charged back somehow, and was discharged because of hardship and XXXX since XXXX. Documents were sent as requested to Debt Collector and the XXXX XXXX XXXX. Collection Agency-Conserve harassed me even though I complied with the XXXX XXXX XXXX providing documentation, proof of bankruptcy of the loan, and again provided proof of XXXX as requested to XXXX and again to XXXX XXXX XXXX approximately 7 days ago. 

I was advised by the XXXX XXXX XXXX to ignore initial garnishing XXXX up to a year for their investigation including XXXX as I provided all documentation again to XXXX XXXX XXXX. The same month XXXX harass me and again I told them and notify XXXX XXXX XXXX that I was being harassed. 

My XXXX XXXX XXXX check was garnished off XXXX and sent a letter from the Dept of Treasury dated XXXX XXXX, XXXX, ConServe, XXXX XXXX, XXXX, XXXX XXXX in XXXX harassed me again, and I again indicated the XXXX Resolution told me they would directly correspond with me and it would take up to a year. Collector was rude, argumative and again I told her I provided all documentation necessary and was waiting for the XXXX XXXX XXXX to investigate and make a decision. There toll free number is XXXX. After the garnish I spoke to XXXX XXXX XXXX, Total @ XXXX XXXX, who indicated they would notify garnishing XXXX to stop up to XXXX while they requested yet again confirmation of XXXX, which I recently sent again. I became XXXX in XXXX, I attempted to go back to work after graduation in the year XXXX, but became ill in XXXX and work was not possible up to this date. Letters from my physician was sent to the XXXX XXXX XXXX and most recently again providing proof, in addition a letter from XXXX verifying being XXXX since XXXX. 

XXXX XXXX XXXX. ConServe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: On or about XXXX/XXXX/16 I went into my bank, USbank and noticed my balance was less than I thought it was and went inside to see why. The banker first noticed when I got gas, they charged me 3 or 4 times but it cleared the next day and corrected. I had pulled out about {$40.00}, and then went and pulled money off my XXXX card. The next day I saw everything cleared and the over charges returned so I paid another bill. Then on XXXX/XXXX/16 I was going to transfer money and noticed I was over drafted. I called to find out why, and was told the teller made an error, did not post my money I pulled out so they pulled it out a week later. I have been in several times and called customer service to try to fix this, and they waived a few fees but they would not fix the issue they caused. They keep trying to get me to pay {$60.00} or so and charge me fees. I saw on my end and theirs the very next day everything had cleared. I do not feel I should have to pay again for their mistake. There is even a note on my account saying this was an error. I also disputed the amount I pulled out.

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 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company contacts me several times a day at my employment. I have asked them numerous times to cease and desist all communication. No debt is owed, on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The company that called me was Ability Recovery Services. I left several messages for a supervisor to return my call. 

On XX/XX/XXXX and XX/XX/XXXX the phone # XXXX called me and they hung up when I answered the phone. On the XXXX I called the number back and they gave me my name and an address asking me to verify the information. I told them they needed to identify themselves before I gave them any information and she hung up on me. I figured it was a scam. 
On XXXX XXXX I received a call where the caller did the same thing- say my name and an address and asked me to verify that information without identifying themselves at all. When I told her I would not give her any information until I knew who she was she identified her company as a debt collection agency ( did not give the name ) - and did finally say her attempt to collect a debt disclaimer. She quickly listed 2 debts and became rude when insisting that I needed to pay them immediately. When I told her that it was the first time I had heard about these particular debts and I was not ready to pay them today she said to me " It 's not like it 's going to matter, your credit is terrible anyway if you want to know what they are check your credit report next month, '' and she hung up on me again. I called the number back immediately and asked to speak to a supervisor. I was told that a supervisor was not available, but I could leave my name and number and someone would call me back. They did not. On XXXX XXXX I called again to speak to a supervisor. The person that answered the call put me on hold and then picked up the phone again and gave the name XXXX XXXX but it was OBVIOUSLY the same person I had just spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was sent to collections by XXXX cellular serivice. I did not receive service from my home unless I walked down the street they told me that I had a tower 1/2 a mile from me, I told them I still am not receiving service in my home, I needed to cancel service they refused, and then asked me if I turned in all my cell phones, they would credit my account and bring it to a zero balance that did not happen. I have been sent to collections to Virtuoso Sourcing Group.

Company response to consumer: Closed
Consumer complaint received 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX is reporting a collection account from XXXX on My XXXX, XXXX, and Experian credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.

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 10-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello Consumer Financial Protection Bureau? I am XXXX XXXX, I am Writing to You All about trying to apply on Several attempts, To apply for a Payday loan at Ace Cash Express. The first time was On XXXX XXXX XXXX. I was turned down due to mistakes on a credit report. Then, I wrote and asked them what happen on the application? They then, wrote to Me again and told me to apply One more time at the same place. I did what they told me to do over the Phone. I applied two times in ONe day? I still was turned down. Then I called the Corporate Office on XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXe. Told me to wait on the Certified Letter coming in from her? I did. It came in on XXXX XXXX XXXX. I stated I did not owe them anything so I should NOT have any trouble reapplying for my loan. I waited Until the day, of XXXX XXXX XXXX. I went to the store on XXXX XXXX here in XXXX Tennessee. She then said where is the Letter, I gave it to her, and She laughed at Me. She then, took the information and told me to write all of it down. I did again and fill out the loan application to get started with. I did? She then told me to write on the application my full name address and how much of the loan I qualify for. She then said, Ok? then 2 pieces of Paper come up and she told me, My XXXX XXXX You do not qualify for a loan. I then asked here why? She told me that the XXXX pulled up some derogatory information that was in the computer at the time. I told her my score is XXXX and why are you all using a POS machine on a Payday loan anyway. I did not know we had to have very good credit in order to receive a payday loan. That should not have happen on the third time around. She basically pulled information up so she would deny me of the loan. I then told her, Let me speak to the Owner or the manager. She then told me to leave, because the owner is not here, and I needed to get Out '. She had ran a credit check on me without, My permission or telling me this information. Then they would not let me speak to anyone on it. Calling the texas office, did not help either. they said she did what was right from the start. I do not think Pulling Up a credit Report without, permission or even asking me before hand was Right. This is how I was turned down for the Loan in the first Place. She called me today and asked me to go to other places To Reapply, I said No, I may report this to someone. It is unfair to Me. I do not have anymore gas to go and reapply at the same place or even another store. She then Hung up the phone. I think this is just wrong to do customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: I applied for assistance through Keep your home California  X/XX/2017   . I was approved for the program and was advised that all of the required documents have been received. Keep your home California has confirmed that they have submitted the assistance packet to my lend er BSI Financial Services. I  have called BSI on many occasions to confirm the status on my application, and they have been unable to confirm receipt of the application or any other information as to time-frame or status. I request that BSI provide me status of the KYHC application and resolve this issue promptly. KYHC ID #  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient collections. I am XXXX per Social Security. They determined I was XXXX since XXXX but my claim was filed in XXXX. XXXX verified this determination as well. I subsequently sent the information to Navient who contracts with XXXX to determine XXXX status claims. XXXX XXXX has been denying others beside myself. I have a XXXX determination and Navient only reviewed the medical. I am prepared to submit XXXX records and asked the Navient collector for the form to submit my XXXX status and the collector told me " if you want the papers, you go get the papers. '' I propose XXXX review of XXXX claims or an independent entity to monitor XXXX denials by XXXX to ensure Navient 's contract with XXXX XXXX is not a way to summarily deny all XXXX individuals. 

I was a XXXX 15 years ( including use of a XXXX ), XXXX. So I know the Fair Debt and Collection Practices Act ( FDCPA ), XXXX. Navient 's collectors are not well trained and should not dictate policy/procedures based on their own biases and not the company 's policies/procedures. 

The determination that I am not " XXXX enough '' and being unwilling to give me the opportunity to submit the XXXX portion of my XXXX does not seem legal or ethical ( Social Security used both XXXX ). 

Why is the relationship between Navient and XXXX not investigated for collusion and a way to defraud the XXXX? 

Why am I not permitted to submit the secondary XXXX diagnosis? 

I posted a breach in FDCPA to the Consumer Affairs site, and read how individuals with XXXX, XXXX, and XXXX were all denied by XXXX paving the way for Navient to collect debts from individuals that are otherwise considered XXXX by federal and state entities. Please check into this inequity. 

Paying Navient even if state and federal review deem us " unable to work '' is unreasonable when their " contracted '' " determining entity '' may gain financially by denying XXXX claims. In addition, when their staff refuses to send the appropriate form to XXXX individuals, it is basically an admission that they will not consider my XXXX claim anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am being sent to collections for XXXX for a purchase I never made and a credit card was takin out apparently in my name with out my permission.

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 11/29/2017 about Debt collection (Mortgage debt) with FCI Lender Services Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX took over a mortgage loan or line of credit I owe to XXXX XXXX XXXX in which I was making monthly payments of {$500.00} towards the loan and 100 % of that payment was being applied to the principal debt which was {$120000.00} with no penalties or interest added. Now XXXX XXXX XXXX XXXX XXXX, is asking to pay them {$230000.00} and they are claiming interest, late charges finance charges. I believe that the amount they are claiming is not accurate every time I try to reach them they do n't want to give me the opportunity to work with all they want to do is to do a foreclosure on the property so they can get their money in full. I 'm willing to work with them in regards to this matter. I truly believe that they are overcharging and the amount owe is only {$120000.00} which is what they pay XXXX XXXX XXXX. I hope I can get some because I 'm very desperate and afraid I will loose my home.

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