milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: My attorney called XXXX of Well Fargo to let her know I was going to sign the Loan Modification after accepting it by paying and continuing to pay the new payment of XXXX. When he called she told him the deal was off the table and I would have to refile for a new modification which I did in XX/XX/XXXX. Since sending in the papers no one contacted me. I called to check on the paperwork and they said according to the CFPB that you can only file within 3 years. I filed for my first modification in XX/XX/XXXX and now in XX/XX/XXXX. How can they get away with Taking my home when they said I qualified for the new modification and took it off the table?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Private student loan debt) with ECMC Group, Inc. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I received a letter that they will be garnishing my wages of 15 % each check. I had no idea of who they are and where they are coming up with the amount. All I see is that it is student loans but no idea of it 's private or federal as no information was given exempt that my paychecks will be decreasing and I live off every dollar amount now to survive. I will be financial crippled if these people garnish my wages. Not only did this come out of the blue - they contacted me through my place of business leaving me subject to losing my job making my life situation worst.

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 01-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PERL MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: I was trying to get a mortgage for a condo purchase in XXXX XXXX, Florida and dealt with a mortgage broker called Perl in XXXX, Florida. They were rarely there to answer the phone during business hours, failed to return calls, and after saying I did not need a second appraisal on the property, asked for a new one which through their tardiness never got processed in time for an answer on the mortgage application. Their office manager, XXXX XXXX, acted unprofessionally and ineptly throughout the process. I hope others can be spared the experience I had with him and his firm.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Recently Equifax had a security breach of 143 million americans. Instead of offering to tell you if you could be effected by this they make you sign up for a protection plan which also makes you sign away your legal action to go after them for their faulty security. This is their fault and to make the people mostly effected by it sign away their rights to know if they are affected by their mistake is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Using a debit or ATM card

Complaint: My x-boss got in to my wallet and got my XXXX card issued by bank of america and used it for XXXX times, when I contact bank of america 's customer service they told me that they CAN NOT do anything about it! because I knew who did those unauthorized transactions " my x-boss '' and because we had ( my x-boss and I ) an agreement to pay off the balance, so it is my responsibility to fix that even if he ( my x-boss ) did those unauthorized transactions by phone paying a bill to XXXX XXXX, still bank of america CAN NOT do nothing about that, in other hand, if you have a boss and you do have a credit card issued by bank of america, you should cancel that card ASAP, or if you have a card issued by bank of america and you have ( friend, relative, coworkers or any human you know on this planet ) you should cancel your card ASAP, because you are responsible for any unauthorized transactions made by them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Credit card) with Credit Corp Solutions Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been receiving relentless phone calls from Credit Corp Solutions ( XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX ) over a XXXX XXXX balance of approximately XXXX. Today they called my ex-husband trying to get information from him about me. we have been divorced since 2002! After I accumulated this debt, I was laid off from my job and took a loss of XXXX per year which significantly lowered my ability to pay as much on my bill as before. I continued to pay XXXX per month ( which is what I could afford at the time ) after my lay off and decrease in income. They started to continuously call me, up to 5 times per day, and tell me to pay more. I responded to their phone calls and told them that the most I could afford to pay on this bill was XXXX per month. They rejected this proposal and refused to negotiate. I then told them that I could not agree to pay more. I did research this type of situation and it is more harmful for me to make small payments without an agreement as it still was been reported to the credit bureaus even with the small payments I had been making all along. I do not want them to call me, my ex-husband or any of my family over this. I would still agree to the XXXX if they would agree to stop making reports to the credit bureaus but they refused to agree to what I could afford to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I asked for an audit done on my federal student loan accounts with navient two weeks ago. I asked for the audit because of recent events and because I can not see on any statement how interest is applied to my account. I can see an interest rate and simply that there is interest being applied for each loan. When I asked for an amortization calendar, they refused to provide it and gave me a calculation to show how interest should be applied. What is so infuriating is that I know that any other type of loan would show me specifically how interest is applied month over month ( mortgage, credit card, auto loan, etc ). What makes it okay to take advantage of young people coming out of college? 

An additional concern is that in the past I could apply extra funds in my payments to specific loans within my account. This is n't the case anymore. Whatever lump sum i pay in addition to my bill is distributed by them, so I literally have no idea how that money is applied. They say it 's applied to fees first, then interest, then principle. They have never provided a statement of those payments after I made them though, so it is unknown how much is being paid where and if I 'm paying future interest charges or if I 'm taking care of my principle. 

Please hold them accountable to do the right thing. I work for a financial institution and have been lucky enough to have a good job with great pay, and I 'm still watching my student loans not go anywhere. I 've only been out of school for 6 years and the tax protections for writing off student loan interest do n't apply to me because of my income level, yet, I ca n't seem to make dents into my student loans. 

Please help me get information on my loans and audit navient to ensure they are applying payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have loans with Navient and they consistently deny me options for more affordable repayment. 
I can not afford what I currently pay them- each month is a struggle for me to get the money together. I need to pay my other bills, pay for gas, food & rent. I have repeatedly told navient this as well as written letters but they always deny me lower payments. 
I have been told my only option would be to put my loans into forbearance or be sent to a debt collection agency & then my credit would be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I would like to re-open the complaint XXXX for it has not been properly resolved. I have asked XXXX XXXX  to verify this debt with all of the following proper debt validation : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service They have failed to provide me with all of the above documentation. XXXX XXXX has responded to this complaint stating that the account was charged off, and sold to XXXX XXXX. I have also requested XXXX XXXX to provide me with the above debt validation, they were unable to, and as a result ceased all collections on this account and removed it from my credit file ( see the attached response letter from XXXX XXXX ) because the account is not verifiable. Being that this account is no longer owned by XXXX XXXX, and they're unable to properly verify the debt, then they should not illegaly be reporting this account on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested validation of debt from this company for two accounts listed on my credit report. In their documentation, they 've failed to establish standing for both accounts by failing to provide a copy of a signed agreement between myself and the original creditor, and also failed to establish complete account history. I disputed the accounts via the credit bureaus and received a status of " resolved, consumer disagrees '' at which point my credit file was also updated with monthly reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I went to a local Wells Fargo branch office to close out my accounts on XXXX. I was told that my WF Credit Card and Savings Accounts were closed, but there was a federal regulation that prevented me from closing my Checking Account until after the next account cycle ended on XXXX. This seems strange since I had cancelled all activity on this account but decided to leave it alone. I was finally able to close my Checking Account by calling customer support, however, the Savings Account that was confirmed closed on XXXX is still open as of XXXX with a {$50.00} balance that I ca n't withdraw because the account is " Pending Close ''. 

I do n't understand : 1 ) Why Wells Fargo would not close my accounts when I requested them to be closed 2 ) Why Wells Fargo refuses to allow me to fully close/withdraw the remaining funds from my checking account.

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 11-03-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a dispute with Equifax regarding XXXX Account XXXX. This is an apartment complex : XXXX, XXXX , FL XXXX ( XXXX ) XXXX. I called the apartment complex to inquire why they have reported me to a credit bureau. They have no record of this debt. When I disputed it with Equifax , Equifax responded by saying XXXX XXXX XXXX confirmed it is legitimate. I have not received due diligence from Equifax in investigating this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX-loan # XXXX Docket # XXXX Law date : XX/XX/2017 I expected better from our " justice system '' but, I am not surprised at my outcome. There are businesses similar to Caliber Home Loan, Inc., in existence all over. They claim to be customer specialist but they are not. They prey on the short comings/ misfortune and zero finances to fight properly. 
In my opinion Caliber Home Loan , Inc., is no more that a collection agency that buys loans and services them until people make one mistake. That one mistake has caused me nothing but disappointment, frustration and XXXX. Paper shows that Caliber tried to work with me, but they really did not. 
I fought long and hard to modify my mortgage loan on my own, and then through Court Mediation. Week after week, month after month, the same exhibits needed to be redated, refaxed or remailed. In Court mediation myself and the Court appointed mediator handed off the paperwork to the Attorneys office representing Caliber Home Loan , Inc. and they saw that it was passed on in a timely manner. This process went on for a year or more and until recently I got defeated. 
I have every paper I ever sent to Caliber Home Loan, Inc. I was never sent a letter of rejection. They knew my credit worthiness and I feel they misled me. I have lived here 15+ years and am XXXX years of age. I apologize for being laid off but tried to quickly rebound and get back on board. I was told by Attorneys and others that mortgage companies do not have to work with people and I am sure that Caliber did not want to work with me. Now, I will join the homeless because I could have paid the modification ( which was to be through HAMP ) but Senior housing and regular housing are saturated. 
What do I want?? I just do not want anyone else to suffer this kind of unnecessary XXXX, XXXX, XXXX and XXXX from Caliber Home Loan , Inc. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (WI).
Issue: Loan modification,collection,foreclosure

Complaint: This is an amendment to XXXX complaint with additional information. Ditech financial LLC failed to respond in a timely fashion to a request for financial relief. A request for paperwork was submitted in XXXX XXXX and no response was received until XXXX XXXX XXXX. By this time they had already filed for foreclosure. In addition, no assistance was offered whatsoever in avoiding foreclosure. I was nothinking offered a forbearance or any other type of assistance as required by law. On several occasions a pay off letter was requested the latest being on or around XXXX XXXX, XXXX. To this day I have not received this paperwork. I offered a deed in lieu of foreclosure and even this was denied. I mentioned we were attempting to sell the house and was advised I needed a realtor to do so. There is no statutory requirement to hire a realtor to sell a home. One an offer was received and faced to them twice they claimed they never received it. Yet other paperwork including a POA type of order was faxed to the same number and that was received just fine. The offer was not a short sale but enough to payoff the debt. They also increased the interest rate from 2 % to 3 % after default. This practice is absolutely prohibited. In the end and 2 days prior to the auction I again reached out and stated I had an offer that would be closing on the XXXX XXXX, auction was XXXX XXXX, I was advised by XXXX that there was nothing I could do and that the home would be sold in 2 days. She went on to say I should n't have waited until the last minute. When I had been talking to them for well over a month prior. They continue to attempt to collect on a second mortgage even after the foreclosure and even after a prior chapter XXXX bankruptcy. I ask for immediate relief and that Ditech be held accountable for its unethical if not illegal activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Fraud or scam

Complaint: I am an XXXX citizen living presently in XXXX. 
I was telephoned with an attractive sales offer and I started to pay the item ( a diamond of {$5700.00} ). However, I soon realized that it was a scam, for the seller, by telephone, assured me that he already had a buyer for the diamond in question. ( If it were legitimate, why would he continue to sell it when he could get more for it elsewhere? ) Since this made me suspicious, I tried in vain to verify the address of the seller. He claimed to be located in " XXXX, XXXX and XXXX '' but no specifics which I could verify. 
So, I asked to cancel the sale and refund me the money which I had already sent through PayPal. He made me think I would be refunded and said that the treasurer would get in contact with me for the bank details. I waited and waited until I realized that there would be no refund. 
When I filed a dispute with PayPal, the seller said that the delay for retraction had expired and that I would have had to send a registered letter to the " XXXX office ''. It was then that I found out the address, at least in XXXX. ( I have serious doubts that they have anything in XXXX or XXXX. The XXXX office is a tiny store frontage on a back street of XXXX. ) For your information a sales contract by telephone in XXXX is not valid without a written and signed sales contract presented by the seller to the proposed buyer. I never saw a detailed contract from him and did n't even know his address and sales conditions until it was too late. I have not received the diamond and do not want it. I just want the money back that PayPal advanced for me to the buyer ( {$1500.00} ). 
In addition to this, when I logged on to the sellers internet site, I changed the password for my " habitual '' password, unfortunately that used for my PayPal access. Shortly thereafter, PayPal notified me that my account had been breached from an unknown location. I immediately changed my PayPal password. Of course, I have no evidence that the seller is responsible, but it is very suspicious!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient took over my student loans from XXXX. 
I have had problems ever since. 
Their website is EXTREMELY difficult to navigate, I have received different information from each person that I have spoken to regarding various issues & most recently when applying for an economic hardship deferment, I have become extremely frustrated with this company. 
I have been granted an economic hardship from XXXX, my other student loan provider & it took them about one DAY to do so. I have spent MONTHS trying to get the same deferment processed through Navient, however, I am pretty sure that they make the process difficult on purpose. I provided proof of my deferment from XXXX to Navient along with the deferment application & repeatedly it has been denied. However, there is no information about WHY it is denied, just that I am not providing necessary information ...? So, then each time, I must call Navient and ask someone why & they tell me to do something different & re-submit. Still, months later, when my forebearance is about to expire, they have not processed anything nor have they tried getting in touch with me. 
When I called again yesterday, I was told that they need proof of my income. Even though I have already provided proof of my deferment from XXXX, which is generally all that is needed, proof of acceptance from another provider. And I was told previously that this is all Navient needed. Now they want a paystub. I do not have one, I am self employed. SO, she tells me that I should be applying for an " unemployment deferment '' ...?! I am not unemployed! I just do not have a proof of income YET ... 

So, I sit waiting once again to see if my deferment application will be accepted. 
I am pretty sure that this company deliberately makes this process difficult & their website hard to navigate to keep people from being able to to what I am trying to do, ask for assistance while not being able to pay back their loans, temporarily. 
I have never had any issues with ANY OTHER STUDENT LOAN PROVIDER until this company took over. 

PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Non-federal student loan) with DISCOVER BANK (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I received a letter regarding a missed payment in XX/XX/XXXX. After checking my bank account and verifying that I had mistakenly missed a payment in XX/XX/XXXX, I called them to discuss what I needed to do. At that time the person I talked to told me that sending my regular payment for XX/XX/XXXX should catch me up, as I normally pay more than the minimum payment. I did so, but have continued to receive letters, and am now getting harassing phone calls. I spoke with a representative on the phone today who kept badgering me and calling my account " delinquent. '' I told them to stop calling and harassing me. I have paid every month since I spoke with them about my missed XX/XX/XXXX payment, and followed their directions to " catch up '' on the XX/XX/XXXX payment. I want the harassing phone calls to stop. 

Additionally my interest rate is over 9 % and I have contacted them numerous times about reducing my interest rate so that my monthly payments will actually go toward reducing my balance. They have been unwilling to work with me on reducing my interest rate, even though I have faithfully made my monthly payments.

Company response to consumer: Closed with explanation