milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: I am writing to you in reference to loan number XXXX. I have documentation from XXXX of XXXX formerly known as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX employees which states Wells Fargo sold the above mentioned loan to XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX became the servicer of the loan in XX/XX/XXXX. It is my understanding that in order for anyone or any entity to sell a mortgage or a promissory note, they must first be the legal owner of the mortgage and the promissory note and in order to sell a loan to a XXXX trust, must be the originator of the loan. So, when it was stated to me by XXXX 's employee that XXXX XXXX Bank purchased the loan from Wells Fargo, exactly what did XXXX XXXX purchase? I also have a letter from XXXX XXXX XXXX XXXX XXXX stating they purchased the loan from Wells Fargo. Did XXXX XXXX purchase the promissory note? In the state of XXXX, the mortgage is purported to follow the note, not the other way around.Everything that XXXX XXXX has stated is in direct conflict with the XXXX XXXX court records. XXXX XXXX court records indicate that the mortgage and the note in question were BOTH purchased by XXXX. in XX/XX/XXXX. Wells Fargo has stated they sold the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The recorded court records also reflect that XXXX XXXX Inc is the sole assignee, not a nominee, not a beneficiary and not a trustee. In fact, the recorded assignment not only shows that Mortgage XXXX XXXX XXXX XXXX XXXX is the owner of BOTH the mortgage and the note but that XXXX, XXXX. is the assignor, which would have made them the legal owner at the time of the assignment. This also reflects that they were the legal owner of BOTH the mortgage and the note when Wells Fargo allegedly sold the loan to XXXX. The assignment of the mortgage and the note were recorded in the XXXX records in XX/XX/XXXX. This would make the purchase of the mortgage or the note by XXXX from Wells Fargo is fraudulent. I would appreciate a response. Thank you in advance for your time and cooperation in this matter.

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 04/23/2015 about Credit card () with Continental Finance Company, LLC (NY).
Issue: Other fee

Complaint: I had made a payment on my " VERVE '' credit card on XXXX for {$100.00}. This payment was made as it has been for months. Yesterday I received a call from the credit card indicating that my payment has not posted due to " incorrect or wrong account information ''. I called Verve ( continental finance ) and i was advised by the representive that their website had some work done. I asked why they wouldnt advise the payor that they should reenter their information. Instead they marked my account deliquent and assessed a {$25.00} fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Enterprise Systems, Inc. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: NES requested balance was $ XXXX settlement amount with NES balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept NES {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I took out a 18 months zero percent interest by XXXX name change. I sign loan with XXXX company. They sent loan to Wells Fargo and they set payments low so i could'nt pay off in 18 months. I 'm a senior and did n't realize this. Until 18 months was sent bill i owe XXXX company still XXXX and Wells Fargo XXXX interest. Please help me to understand this. Im just confused. Need Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (LA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I purchased a new vehicle from XXXX XXXX XXXX of XXXX XXXX on X/XX/2017. The morning I went into the dealership, I had talked with the sales manager XXXX XXXX and asked that they have the financing paperwork ready ahead of time as I had limited time Saturday morning and was just coming in to sign paperwork and begin the loan process. Nothing was ready except for the car. The sales manager ushered me into the Finance Mgr 's office and he began the process asking me to sign on an electronic pad connected to his computer, all the while not letting me see what I was signing nor read any of the documents. When I left the dealership, the Finance Mgr XXXX XXXX, comes running out to the car with a copy of all the paperwork sealed up in an envelope. When I got home and had a chance to take my time and parce through it, they had added on every insurance, every extended warranty, every life insurance, gap protection, you name it! to the tune of an additional {$7000.00} or so! I immediately notified Toyota Motor Credit Corp, the Sales Mgr, the Finance Mgr, the general manager but not one person has contacted me except the Sales Mgr who sent me an email stating they do n't redo paperwork. I am not an attorney but this seems to fly in the face if Truth-In-Lending laws! You must be able to read what you are agreeing to before you sign it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (I do not know) with Receivables Management Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This company contacted me in XXXX @ XXXX. The gentleman that contacted me identified himself as XXXX XXXX. He said this was a business matter and began harassing me to tell him my personal information. He told me that he needed my date of birth and my address. I said to him that I had no idea who he was or why he was calling and I was NOT going to give him my personal information because I did n't know who he was or why he was calling. 

He never XXXX time identified himself as a collection agency, he refused to tell me what company he was working with, he just kept pushing me to give him my personal information. And told me he would n't tell me who he was and why he was calling unless I gave him my personal information. 

I called the company back to speak with a supervisor, and the operator hung up on me each time I called back, XXXX times in a row. The XXXX time I called back the transferred me back to XXXX XXXX who again only wanted to take my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company called my phone number and my mother's phone number on X/X/2017 asking for information on my location and gave a call back number of XXXX XXXX XXXX without identifying themselves or the company they work for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have too many inquiries on my credit report. I have not applied to any companies for credit. I have been a victim of identity fraud in the past and my bank cards have been hacked on multiple occasions. I noticed that XXXX of the options for improper use of a credit report is opting out from marketers. I 'm not sure if that is the case with me but I know I have not applied for any credit except car insurance. Please help me resolve this issue. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX 2014 my wife and I applied to Ocwen Loan Servicing , LLC in regards to our home mortgage, to have our PMI removed. We met all XXXX required points : 1. current on our loan. 2. No late or missed payments in the preceding 12 months or 60 or more days late in the preceding 24 months. 3. Proof that our property had not declined in value since the loan origination [ Appraisal from a certified appraiser that met the minimum requirements on the Loan-To-Value threshold of 80 % or less ]. 4. Submitted written request. 
Ocwen subsequently, rejected our request, we feel, unfairly!

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with BYL Collection Services (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was charged {$64.00} that was sent to collection. I called  BYL  collection agency over a month ago and paid the debt off. It needs to come off my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There have been several attempts ( letters sent with no response ) to get this information deleted. This account was paid back in XX/XX/XXXX and its still showing up as a collection/past due account with a reported date of XX/XX/XXXX. This account should have been deleted back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Late XX/XX/XXXX to early XX/XX/XXXX, I was receiving phone calls from Navient regarding that my payments for my student loans were now under delinquency. I had them under deferment period while I was getting my XXXX 's. Navient never once contacted me or my parents through mail, email or phone until after the bill was late by 90 days. I was never informed that my loan payments were due until I received a phone call telling me they were 90 days late. Because of this action on Navient I now have a delinquent account marked on my Credit Report that is inhibiting me from qualifying for loan repayment programs. I have contacted the company regarding the issue, and they are not helpful by any means. Ever since I was informed of my loans to Navient I have been paying over the minimum amount due monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit was pulled and sent to a lot of different lenders by XXXX XXXX XXXX ( XXXX ) without my consent. I did not signi a credit application, and or privacy policy, I did n't even go on their website and filled a credit application. There is n't a document with my signature that shows that I allowed XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX GA XXXX to pull my credit and shotgun my credit to a lot of lenders. I checked my credit before I went car shopping and I was at XXXX in one of the bearous. When I did make my decision in purchasing a vehicle, I went to a different dealership ( XXXX XXXX ) to purchase my vehicle and when I gave them permission to look at my credit they had told me that my score was not XXXX and had dropped to XXXX and that they could see a lot of inquiries in the last two days from XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and I asked to speak to the manager and they told me he was n't available. I worked so hard to be able to get it up in the XXXX 's before purchasing a vehicle and at that point when XXXX XXXX had told me that my score had dropped from XXXX sending my credit to different lenders. I had no choice but to take the interest rate XXXX XXXX was offering me because of my credit score dropping so many points after XXXX had used my credit without my consent and sent it to diferent lenders. XXXX XXXX XXXX 2016 are the dates that XXXX XXXX XXXX used my credit to send it to multiple lenders without my consent. My name is XXXX XXXX and my cellphone is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with Rent Recovery Solutions (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I did n't even live at the  XXXX   XXXX   XXXX   (  XXXX , WA )  during the period that they 're trying to charge me for. It 's extremely obvious that I moved out on  XXXX   XXXX ,  2015 . Anyone that can read the " Move Out Statement '' that they sent me can read that my Lease was over and I moved out on  XXXX   XXXX ,  2015 . Yet somehow they 're repeatedly sending me bills for  XXXX   2015 ? Even after I 've notified you that your information was inaccurate and you were harassing me with incorrect information???   This is causing additional  XXXX  to me during a period that I am in and out of the hospital for  XXXX   XXXX . I do n't owe any money at all and was given multiple assurances from staff at  XXXX   XXXX   XXXX  of this in  2015   ( yet two  years later I 'm still being harassed, this is ENOUGH ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Consumer Loan (Installment loan) with Great American Finance Co (IL).
Issue: Managing the loan or lease

Complaint: Great American Financial account No : XXXX open date XXXX/XXXX/XXXX my last payment made was XXXX. Great American Financial claim to have received a payment on XXXX/XXXX/XXXX this is not true. I have as for validation and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Balance transfer

Complaint: Chase Credit Card : Below are the XXXX amounts outstanding on my Chase Credit Cards. The credit card ending in XXXX has had a 0 % interest rate offer on balance transfers for a year. I 've contacted Chase numerous times this month requesting to combine both credit card balances, ( each with interest rates of 15 % + ) on to the 0 % offer, speaking to Supervisor after Supervisor ; however, each occasion they would not allow me to transfer within the company. Stated " it 's against policy. '' I came to the solution of contacting the White House, because this policy is not fair. 
CREDIT CARD ( ... XXXX ) Account Summary Current balance {$7900.00} CREDIT CARD ( ... XXXX ) Account Summary Balance last statement {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Credit card) with Capital Management Services, LP (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have credit card debt that I am unable to pay at this time ; hope to address without filing bankruptcy. 
My friend advised me that he has received calls from Capital Management Services attempting to reach me to collect a debt. He is not a spouse or family member, but a neighbor. When I called this company, they attempted to say it was my contact info. Total lie, number was never under my name. 
I have read numerous complaints re this group 's illegal and unethical practices. Please stop them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Quicken Loans misapplied extra payments I made on my mortgage. These extra payments should have been applied to principal. After raising this issue with Quicken Loans, they sent me to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been in discussion with my lender, Quicken Loans, since last year concerning payment of my flood insurance premium. While going through the process of a re-finance with them, it was brought to my attention I did not have flood insurance on my property which I am required to carry on the property. To make a long story short, they admitted mailing the premium ipayment to the wrong address. This mistake was n't discovered until 8 months after the policy expired. As a direct result of their error, I had to obtain a new policy which carries a premium that is more than XXXX the original policy. Also the deductible was raised from XXXX to XXXX dollars. This has caused me a significant financial hardship. Quicken did pay the difference in premium for last year 's flood premium. This year I called to let them know the policy had again increased and to see if they could offer any assistance in paying it since it is their fault I am now having to pay this new premium. Please understand I have compared my policy to those of my neighbors. Theirs went up slightly while mine more than XXXX, only because I had to obtain a new policy when my premium payment was mishandled by Quicken. I have spoken to a number of Quicken agents and managers about the situation. It is my belief that this issue has been trivialized by them and seen as not being important. I do n't think they realize the impact their mistake is still having on me. I am currently paying XXXX what my neighbors are paying in flood premiums. My deductible is also XXXX their deductibles. Unfortunately this rate will follow me as long as I own this home. If all insurance goes up 5 %, more is coming out of my pocket than my neighbors ' pockets all because of a mistake that was not my fault. I have made my mortgage payments on time every month since first getting a loan with Quicken a few years ago. I feel very let down in the way this situation has been handled. I have asked them to make up the premium have refused. This is hitting me especially hard right now. We have just " celebrated '' the XXXX anniversary of XXXX XXXX. If it had n't been for my flood insurance coverage, I probably would not be in my home today. 
I can provide you with whatever documentation you need, including a memo on my Quicken loans account showing they claimed to have sent a payment. 
I apologize for the length of this. I am still frustrated by the whole incident.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Auto) with Friendly Finance Corporation (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they call me everyday sometimes 2-4 times in 1 day, they call my job 2-3 times a day, and they even send text messages everyday to my phone. Is there anything I can do, I owe them and pay but I pay late but the calls so often make life even more 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 03/13/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (ME).
Issue: Managing the loan or lease

Complaint: Due to an accident resulting in a total loss of my vehicle, I have been trying to get the auto loan resolved through the gap insurance coverage purchased with the vehicle. The week of the accident, I contacted the bank to advise them of the loss and to determine how to initiate the claim with gap insurance. I was told the gap insurance immediately kicks in when the claim payout from the liability insurance company is received. This was the week of XX/XX/XXXX. As of today, XX/XX/XXXX, the loan is still not paid off and the gap claim is still pending. After the bank received the payout from the liability insurance coverage the week of XX/XX/XXXX I waited for the gap insurance claim to initiate automatically. Upon calling the Bank a couple weeks later to obtain a status, I was then informed I had to cancel my service warranty first so the refund for that can be issued and then the gap insurance claim would be initiated automatically. I immediately contacted the service warranty company to request cancellation. They were supposed to send me a cancellation form which was not received and XXXX weeks later another phone call was placed. The form was received, it was returned immediately, and receipt was confirmed on XX/XX/XXXX. As a result of the delays of the three companies, the bank is now reporting my account as past due. The account should not be past due as based upon my conversation with the bank in XXXX, this account should have been paid in full no later than 30 days after the first payment was due on XX/XX/XXXX. There is no need for me to deal with this runaround to try to initiate a gap claim and then to have to wait 8+ weeks for the claim to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Settlement process and costs

Complaint: My wife and I worked on a refinance out of an OCWEN loan in to a new loan from loan Depot since XX/XX/2016. As the process neared completion XX/XX/XXXX, OCWEN has now refused to endorse the loan to a new lender and will not provide allonges in order to complete the process. Quoted response from Ocwen here : " I 've been advised by our legal counsel, that it is legally valid to prove ownership, and I have been instructed not to provide any allonges in case such as this one. I understand the lenders concerns, as I have heard this from a number of other lenders, however this is our position, and it is not negotiable. '' We are now told that the approved loan that has been delayed for months is set to expire in days with no rationale from OCWEN on why this is an issue at all as it endorsement it or allonge is standard procedure. I have asked numerous times for an update but have heard nothing from OCWEN.

Company response to consumer: Closed with explanation