milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: Since XXXX, I have been seeking a modification of my mortgage with Wells Fargo Home Mortgage. I was eventually approved for a 3-month trial. The problem I am currently facing has to do with the process at Wells Fargo Home Mortgage. The first issue is that my work schedule no longer permits me to make phone calls to WFHM during THEIR office hours. As such, I had been relying upon e-mail communication. However, within the last few months the " home preservation specialist '' has been leaving messages asking me to call him. Each time I have responded with a voicemail ( after his hours ) and followed up with an e-mail. I have repeatedly informed him that I am unable to do that unless I take off from work. I have asked him to either leave detailed messages on my voicemail or correspond via e-mail. I find it infuriating that I am not being acknowledged for the employment situation I am in. I recognize the importance of not communicating sensitive information via these means and I assume he does as well. However, if there is a request, question, etc. it does not have to be communicated over the phone. 

The second issue ( also during this modification process ) concerns the appraisal of my home. I contested the initial appraisal value WFHM provided as it was $ XXXX too high. I received a letter e-signed by the home preservation specialist indicating that it may be necessary to order a new property appraisal and that a ) I could owe towards the cost of it and b ) I would be notified if a new appraisal was necessary. The next communication I received was a copy of a new appraisal completed by a local agent. I asked the home preservation specialist about this because if there was a cost involved, I would have rejected it. Instead, the appraisal was apparently done without my approval. The reservation specialist suggested I contact Executive Complaints so I faxed a letter to them on XXXX XXXX, 2016 and have yet to hear back. 

The third issue concerns my trial payments. I have made the first two payments on time but yet they continue to show as " unapplied '' in my mortgage statements. In addition, the statement contains verbiage about being past due, so I have grave concerns that while I am adhering to the trial modification, WFHM is a ) reporting inaccurate information to credit bureaus, and b ) accruing additional late charges.

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 03/14/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problems when you are unable to pay

Complaint: My car was illegally repossessed by Santander. They requested that I send {$1000.00} to stop repossession. I sent the money they requested the same day. Approximately 2 weeks later during the late morning hours, they destroyed private property in repoing my car. Left visable tire marks that caused XXXX miles of black tire marks on the road way too. I made contact using my phone and there was a block. I tried several times to log in to my account and was blocked as well. I used my husbands phone and was able to get through to a man named " XXXX ''. He came up with a quote of {$2700.00} that had to be paid before they would return the car. XXXX XXXX would not tell me who repoed the car and that I would also have to pay {$150.00} storage fee. I advised him that I did not owe them any money and that I needed to get my personal property from inside and in the State of Georgia the vehicle tag belongs to me not the car. He would not advise me on how I could get my personal effects from the car and under Georgia XXXX they have to notify me. As of today I have n't heard back from Santander to retrieve my personal property that has to deal with my child 's school, my work and my husband and I 's marriage belonging from state government. 
Please help me in making sure my personal belongings can be returned to me. The Tag is a government issued tag that is very sinceitive in nature. That you for your time and help. 
Also my husband is a XXXX XXXX XXXX XXXX that was injured by a roadside XXXX in XXXX. Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Bank account or service ((CD) Certificate of deposit) with M&T BANK CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. 
I sent my son to the bank on my behalf, I am XXXX XXXX XXXX with a XXXX XXXX and XXXX, and have difficulty getting around. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. 
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX. 
I am attaching a copy of the power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ARS National Services, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: BOTH AFFILIATES COLLECTION COMPANIES FAILED TO VALIDATE SAID DEBT, AND APPEARED ON MY CREDIT REPORTS W/O CAUSE, ALSO, FDCPA, TCPA VIOLATORS.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: Ocwen servicing is completely fraudelent regarding my mortgage servicing

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have contacted Navient several times to have a lower monthly payment. However, the best option the offer me is the one I have to do every year depends on how much money I am making. The difficult part is that they do n't understand that you have other bills to pay and it might look that you are getting pay a lot but after taxes and everything you dont get anything. I have explained them that I have a car, a mortgage, and other regular bills and that the amount I have right now it is too high for me, at the end of the month I am struggling with no money. The should have into consideration other expenses that the student may counter, the same way when you are trying to apply for a loan or mortgage they see all the expenses that you have and they will only approve you a certain amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX SUCH AND XXXX sought judgement and sale of my home when they have NO RIGHT TO DO SO. I have been fighting this for over XXXX yrs. I was working on a loan modification with XXXX who was the servicer meanwhile JP Morgan Chase who was no longer the servicer continued with the foreclosure with this firm I contacted this firm on numerous occasions stating that Chase had no right to proceed with the foreclosure they then claimed they were working for XXXX then they claimed they were working for Fannie Mae. Meanwhile I have letters from Chase and XXXX stating they were not proceeding with foreclosure since they had no standing with the loan. I sent copies to this law firm they didnt care stated they had judgement and were proceeding with the sale even though THEY HAVE NO RIGHT NO INTEREST IN THE PROPERTY HOW CAN THEY DO THIS

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Equifax is not reporting one of my credit cards, the oldest one with higher limit, which hurts my score. My credit card, XXXX, says they report to all agencies, and it does show on my XXXX, but not Equifax. I tried getting a new card and they pulled my equifax report, I didn't get it and now have a new hard pull. When I tried calling to solve they said they wouldn't be able to do it over the phone and I would have to send docs via fax, which is absurd. They keep all our information, they lose it, they affect our life, and when we try to call them they don't help. It's amazing how much power you still give to the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to obtain a consumer report relating to my banking history via a telephone call to Early Warning Services. Early Warning Services is a credit reporting agency and is listed on the consumerfinance.gov website. 

During my phone call to Early Warning Services, I was told that I could not have my credit report because Early Warning Services could not verify who I am. 

I was told during the phone call to Early Warning Services that I would have to fill out a form, submit documents and wait for a month before I can receive my credit report. 

Early Warning Services is withholding information that I need and I want my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Case number : XXXX Amount Disputed : {$14.00} Received a food delivery order from this merchant, immediately, after receiving order noticed an error with one of the entrees. Called merchant on same date of purchase, spoke to XXXX at the merchant and asked for either the proper item be redelivered to me or a credit issued to my payment method. The individual hung up the phone on me! Was provided a lengthy document to fill out from Capital One, this was faxed- see attached pages. Obviously, the merchant has no interest in rectifying issues in which they have caused, leaving me no alternative but to file a dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Settlement process and costs

Complaint: LOAN DISCLOSURE FRAUD ~ ILLEGAL PURCHASE AND SALE OF A FRAUDULENT LOAN. 

ATTACHED IS THE HUD STATEMENT FOR XXXX, XXXX FL. IT WAS DISCLOSED WITH ESCROW ITEMS LEFT OFF, MAKING THESE ELDERLY CONSUMERS THINK THEY WERE SAVING MONEY WHEN THEY WERE ACTUALLY BEING RIPPED OFF. 

NATIONSTAR AND XXXX HAVE BOTH WENT ON THE RECORD AND STATED THAT LOAN FRAUD IS PART OF THEIR DAILY BUSINESS PLAN. THEY HIDE LOSSES USING FRAUD AND THEY ALSO COLLECT ILLEGAL FEES USING FRAUD ON PAGE 3 OF THIS STATEMENT, ESCROW DISCLOSURE, {$200.00} A MONTH WAS LEFT OFF IN THIS SECTION AND THEY NEVER CORRECTED THE FILE AS REQUIRED BY LAW. 

NATIONSTAR HAS SHOWN ZERO HONESTY AND AFTER DOZENS OF CFPB COMPLAINTS THEY REVERTED BACK TO THEIR STANDARD LIE " WE CA N'T ATTEST TO THE ACTIONS OF THE PREVIOUS SERVICER ''. 

IS IS 100 % FALSE AND 100 % MISLEADING. ALL PAPERWORK IS TRANSFERRED AND ALL SIGNATURES AND FORMS ARE IN THEIR POSSESSION. 

NATIONSTAR CONFIRMED LOAN FRAUD BUT THEY SELL HOMES THEY DO N'T OWN. WE WITNESSED FIRSTHAND AS XXXX, XXXX FLORIDA, WAS SEIZED, MARKETED AND AUCTIONED BY NATIONSTAR EVEN THOUGH THEY NEVER LEGALLY OWNED THIS PROPERTY. THEY CONTINUE TO LEAVE THIS PART OUT OF THEIR CFPB RESPONSES TO US. 

THEY STEAL HOMES, THEY DO N'T OWN THEM, THEY DO N'T CARE. THE THEFT OF XXXX IN XXXX FL IS ALL IN WRITING WITH DATES AND NAMES AND A TITLE COMPANY CLEARLY SAYING " NATIONSTAR DOES NOT AND NEVER DID OWN THIS PROPERTY THEY JUST SOLD ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have been a customer of Capital One for almost two decades. I am now going through a divorce and have lost substantial income and am paying alimony and child support. I have had my house up for sale for 9 months and it has not sold. I have talked to bankruptcy lawyers, debt liquidation companies and have finally decided to enroll in a debt management plan with XXXX XXXX XXXXXXXX XXXX. All of my creditors have agreed to enter the plan except Capital One. I am trying to make this right with my creditors and not file for bankruptcy. I am drowning in debt with high minimums due and high interest rates. I am paying out every month more than I bring in. 

The Counseling company said the reason Capital One gave was that I was denied because I was already in an internal program and had to wait one year to enter into another one. I have called Capital One several times and they confirm I am not in a program. Almost a decade ago they are reporting I took an interest rate reduction at that point and there are no hardship programs available except for waving late fees. I am current on all of my payments and have been for some time, so this will not help me. In speaking to Capital One today they have said they are not willing to help me in this financial crisis of my life. 

Please help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (MN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a phone call on my work line. I was away at my desk at the time and they left a voice message. They said they are from the county process serving division, that I am named defendant and want to serve me court documents at my work or home between XXXX. They also requested that I have photo ID available.

Company response to consumer: Untimely response
Consumer complaint received 09-07-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I began disputing an alleged debt with Wakefield & Associates in XXXX 2017. On XX/XX/XXXXI requested " validation '' of the alleged debt. OnXX/XX/XXXX they responded with a copy of a bill which does not constitute validation of debt under the FCRA. Once again onXX/XX/XXXX I requested validation. They replied by saying they have already done so and are not obligated to provide duplicate information. I then sent a dispute to all three credit bureaus asking for " validation ''. They responded by saying the debt has been verified and updated my credit report with the consumer disputes. I even asked the credit bureaus via telephone " what is the process used to verify debt ''. Nobody can provide me with any answers. I sent a second request for " validation '' to all three credit bureaus. Once again they were unable to provide me with the information requested. The name and address matches mine but not the DOB. I have been going back and forth with Wakefield and Associates as well as the credit bureaus for nearly six months with no resolution in sight. This is not my debt, nobody has been able to provide me with any documentation to prove that it is mine. I should not be held responsible for something that does not belong to me. I would like for Wakefield and Associates to remove this account from my credit reports as it is not mine. I am trying to obtain a mortgage and this delinquent account is hurting my credit score.

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 08/21/2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Stearns Lending LLC is our mortgage as of XXXX XXXX, 2015. We just purchased this home and were only living there three weeks before a pipe broke and flooded the house. There was $ XXXX damage to the home and is unlivable. We have had to move over XXXX miles away from our home one way in XXXX traffic. We are having to travel back and forth to get my XXXX children to classes and activities. Since this happen on XXXX XXXX, the mortgage company Stearns Lending LLC received the money on the XXXX XXXX and told me today that they are only going release XXXX % of the depreciated payment of $ XXXX they received. Also advised we will not send out anymore more until the project is XXXX % completed which is to be verified by their inspectors within 7-10 business days. So you want my general contractor to complete XXXX % of $ XXXX repairs on $ XXXX?? XXXX XXXX is already holding XXXX % of the $ XXXX until completion of the job and now they want to hold more. What ... .he has spent more than that by ordering all the new cabinets, granite, tiles, and sheetrock, and then having the plumbing and electrical issues on top of doing all the demo. I am out of our home paying them a monthly mortgage and they are holding the money to get our home fixed so we can get moved back in. I need help! I am having XXXX and XXXX and having trouble driving due to all the stress. My doctors have related it to all this. I need to go home with my family to the house we are paying for monthly without them holding the money to delay this and make it as hard as possible to get it done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: Rushcard has tied up XXXX $ since XXXX XXXX they charging me a double transaction at XXXX XXXX for XXXX atm withdrawal of XXXX plus atm fee. I contacted the atm company they assured me that it was only ine transaction on their end. XXXX XXXX owner of Rush card is claiming through social media the problems are being addressed he shut his customer service phone lines down for the first week now they answer but cant give any answers except system failure hundreds of thousands of people are affected and many states has air newscast about this. I just want my XXXX {$.00} .please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a XXXX XXXX XXXX and have been for the last 17 years. In XXXX I was told my employment qualified me for the Public Service Loan Forgiveness ( PSLF ) program as long as I made the " 120 qualifying payments '' on my Direct Loan. Accordingly, I submitted the necessary employment certification and applied for the loan forgiveness. I was informed that the program would only apply to payments dating back to XXXX. ( I 've been paying my student loans since XXXX ). My loan was transferred to FedLoan Servicing and I continued to make my monthly loan payments. I called last year to in XXXX to check on the status of the program, but was informed that my loan " type '' did not qualify for the loan forgiveness. This was the first I 'd heard of this, but learned that I had to be in a " income driven '' repayment plan to qualify for the PSLF. This was never mentioned in the materials I initially received. Nonetheless, I requested that FedLoan transfer my loan to the type of program that would qualify for forgiveness. Last month my loan was transferred into an income driven plan. To my shock and surprise, when I called to check on the status of my PSLF I was told that my loan would not be forgiven since it had not been in the " right '' plan for 120 payments. Moreover, I was also shocked to learn that my monthly payments had been increased from {$800.00} per month to {$2000.00} per month! I believe that FedLoan is engaging in fraud and deceptive practices. I was tricked into applying for a loan forgiveness program and my monthly payments have more than doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I noticed a collection account on my credit report in XXXX of 2016, from a collection company called LVNV Funding, operated by a company called Resurgent Inc. The debt is for {$41.00} and im unaware of the original debtor but I know it 's not my account. I 've reached out several times to LVNV and asked them to provide me with proof the debt is mine and they have been unresponsive. I also filed a police report in XXXX of 2016 and sent it to XXXX and asked them to remove this fraudulent item, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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