milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I received a bill over 2 years ago from XXXX regarding a phone bill for service that was transferred to another carrier following my leaving employment with the company. I escalated the issue to a vp regarding the charges, they agreed that they were invalid and agreed to resolve. A family member contacted me today saying they had received an email from this company with a confidential matter. Why was it sent to a family member and not me? They exposed my mailing address and did not verify the account when I called in regarding this breach.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I obtained a private loan with Wells Fargo for living expenses during grad school. It involved XXXX separate loans that accumulated each semester as I needed more as I went through grad school. This totaled to {$120000.00}. When I graduated XXXX XX/XX/XXXX, I had to wait to pass the board exam and obtain a job. I took over 1 year for that to happen. During that time, I had to go into forebearance with WF. When forebearance was up, I still did n't have the position, and I could n't pay the monthly repayment amount when forebearance was over. I ended up accumulating about 4-5 months of missed payments because I could n't afford it. I ended up getting a position which I started XX/XX/XXXX. It pays well, but I have additional debts : federal student loan payments for XXXX tuition, XXXX school, my wife 's XXXX loans, XX/XX/XXXX back taxes ( there 's a lien on our home because of this ), and a stack of credit card debts which one has gone to collections because I can not afford all of this even with my new income. I am trying to salvage what credit I have left. So ... ..lately, I have spoken with WF 's financial assistance people because they sent me letters and emails wanting me to call them to discuss " options. '' I spoke with them, and I told them my new income, my financial situation, and I can not pay their required monthly payment. One week later, they called me and stated that they can not work out any income based repayment because I make too much, and they can not lower the monthly payment because it would be subsidizing my other debts that I 'm trying to get under control. Because of my additional debts, my credit score is quite low, so they wo n't consolidate/refinance. They are threatening to " charge off '' my loans if I do n't pay {$5000.00} in back payments and then continue to pay the monthly {$1200.00} amount. They tried to explain to me their perspective of debt to income ratio which unable them to work with me in any way. 
So ... ..my complaint with Wells Fargo is this ... .... They are refusing to work with me on a lower monthly payment that I can afford in order to pay them back. They are threatening to charge off my loans at the end of this month. They are about to ruin me!

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 09/21/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I made a cash deposit to cover pending charges in my back account. All transactions, including my deposit, posted on the same day. However, TD Bank process transactions in a way that 's designed to collect fees from consumers. Basically they posted my debits before my credit, making me incur XXXX dollars in overdraft fees. This is not the first time this bank does that, and although it might not be illegal, it 's morally wrong. I walked into the bank to have them reverse the fees and they refused. XXXX XXXX, supposedly the supervisor at the branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, told me that if I was not OK with the fee to go find another bank, that he would not refund the fee because it was not a bank error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with Fenton & McGarvey Law Firm, P.S.C. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I had originally filed a complaint in XXXX of last year, complaint number XXXX. I did not know that I would not be able to challenge all of the information I received back and when I spoke to a CFPB rep they informed me that I could fax in my new information, which I did on XXXX however, I have not seen anything on this yet so I decided to open a new XXXX. The response from my original complaint brought up additional questions and that is why I am opening this one. Fenton & McGarvey state that my pre-judgement interest was in the amount of {$17000.00} however, in XXXX 2007 my pre-judgement interest was only {$900.00}. I have asked for an explanation of this discrepancy and have yet to receive a response. I would like a breakdown of these charges and not just a lump sum. This is what I have been asking for all along.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred from XXXX to Carrington Mortgage Services XX/XX/2016. They have received payments from the time they have had my loan. No missed payments, I have made payments through my bank with does a ACH withdrawal and I have requested for my monthly authorization of payment statements and was told they no longer provided them. They will not send any records as requested by writing regarding my loan balances and payments. I have been transferred and lied to multiple times I was told my payments were ahead a month and now they tell me I owe them for XX/XX/XXXX and XX/XX/XXXX, therefore I 'm told I am XXXX months behind. They have sent letters of intent for foreclosure and certified mailings to my address in which I am still occupying the property. They have sent so many threatening letters and they have still been receiving payments toward my mortgage from my checking account, but have the monies have been placed in a " suspense account. '' The money in the suspense account should be applied to my mortgage and other monies that were received from XXXX should 've been applied also but I 've been told they have been reversed out and placed unapplied funds. I am based in XXXX and this company is in XXXX. I have sent a letter requesting a research audit on my account and they have sent the letters back to me in via XXXX. Over the phone, I have been transferred and placed on hold and told no managers in loan servicing dept are available I can leave a message for a call back withing XXXX hours and no one has called to discuss my loan with me. This company has poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgment on my credit report with docket XXXX for a paid collection with XXXX XXXX XXXX in the amount of {$2500.00}. It shows that this judgment was filed on XXXX and paid on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received one document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Consumer Loan (Installment loan) with AMERICAN HONDA FINANCE CORP (PA).
Issue: Problems when you are unable to pay

Complaint: Honda Financial Services refused payment and later reposses my vehicle without proper written notice. The first attempt : '' A Notice of Default and Intent To Reposses '' for XX/XX/XXXX and XX/XX/XXXX was forwarded to : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, PA XXXX on XXXX XXXX, 2016. In compliance with this notice, a payment of {$500.00} and an arrangement were made to void this notice. Subsequently, an arrangment was made to complete final payment to release the title of the vehicle. The total amount owed prior to the previous notice date was {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was never late on my autoloan and they reported me late. I have proof. They reported me late and wont remove it. They told me to email them about it and I received no update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have credit line mortgage with Wells Fargo Bank. 
I payed {$10000.00} in XXXX 2015 toward my principal. Despite I paid that {$10000.00} the bank charged me more interest than XXXX 2015. 
When I called Wells Fargo bank they told me you are paying fixed interest regardless whatever you paying toward principal.They told me bank also charging for insurance but I did not know anything about insurance charging in my account. 
I can not trust to this bank I am requesting that my account to be checked out by expert. 
Wells Fargo should charge me less when my principal decreasing but this bank do not doing this way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Debt collection (Credit card) with Alliance Data Card Services (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Community Bank contacted my father. We are estranged and they were never given that contact information or permission. He was called today XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Billing disputes

Complaint: American Express continues to allow monthly recurring charges on my account. I 've called and complained on numerous occasions and I 'm told it will be investigated. Shortly thereafter the charge returns. Today we spoke to an American Express Fraud Representative and was told that although the original credit card that was used to open the account is no longer valid they continue to allow monthly transactions because it 's recurring and we gave them permission to do so in 2003. Please keep in mind that I 'm being charged on an old credit card number and the merchant does not have the exportation date, account number or security code. I 'm paying {$39.00} a month and this has been going on for years. When I call the company in question, the call gets disconnected or I 'm hung up on. The last time I called they wanted me to send them a copy of my driver 's license. There is no way I 'm doing that. I 'd really be in trouble.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have faxed over loan modification paperwork. Still threatening foreclosure and have not updated my online account even though the modification has been approved. All the payments have been made for the trial period. 

I am attaching the XXXX fax confirmations.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I placed an order for a consumer report with XXXX XXXX. During which time I received the report approximately a week and a 1/2 later. Upon reviewing the report, majority of the information, had discrepancies, so I carefully went through and marked off all of the inaccurate information. I then contacted XXXX XXXX a few months later in XX/XX/XXXX and requested that day do an investigation and remove the inaccurate information. I ask how long it should take in the representative explain to me approximately 30 days, during this call I also literally went from page to page ( 25 ) expressing to the representative each thing that was incorrect, This Was time consuming. 

90 days had went pass and I had never received a response from XXXX XXXX, so I decided to call again. When I called the 2nd representative, initially said that there was no information in the system about me requesting inaccurate items to be removed. She then had to go into a different system and found my initial requests, that initial request still did not display all the items I requested to be removed meaning the initial rep missed some things. The new representative apologized and explained to me that the initial request was never submitted, she verified all the things that was in the system, and she then resubmitted it. 

This was back in XXXX around the XXXX. It has now been over an additional 30 days and the second rep assured me it will be expedited because the initial representative did not submit the request the 1st time. To date i still have not received a response and i feel if i call again it would just be the run around. 

This information is financially harming me by showing inaccurate info on the major credit bureaus, as this is the source they use to verify info on my credit file. As A result it 's not allowing me to get the best rates on credit card and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: Suntrust allowed a person to complete loan documents and sign a second mortgage against my property and remove {$300000.00} without my consent, knowledge or any authorization to do so. This person along with Suntrust attempted to cover up this deal by attempted to transfer my property solely into the name of the person who signed the loan/mortgage. The mortgage is in the persons name and the Deed is solely in my name. Suntrust refuses to release the loan documents to me after repeated attempts because the loan transaction was complete before the person attempted to transfer the property into his name. The Loan documents were not signed by the deeded owner. They also refuse to release the notes or conversations relating to the business regarding my home. Because I NEVER spoke with them nor solicited their business at any point.

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 02/15/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my property from HUD in XXXX with an FHA rehab loan through XXXX. After closing the loan I expected to receive a welcome package, mortgage statement with bill and address etc. However this never came. I tried to contact the bank to find out what was going on and they told me that the construction loan had not been released. I did not understand what this meant and tried to just begin making my payments on the loan. However, they would not accept my payment and told me that I was in foreclosure. I have tried repeatedly over the last few years to straighten this situation out but it is if I am invisible. The lender claims that none of this happened, then the loan got transferred to XXXX or XXXX. Same thing, they told me they had no idea what I was talking about, I was even told there was no record of my mortgage loan. So I continued living in the property and had a renter in the other unit. Now the loan has been transferred to Bank of America and they have set a foreclosure sale date on my home for XXXX XXXX. I have tried to get to the bottom of this situation. They began sending me mortgage statements a few months ago, after 9 years of nothing. What is interesting is that the mortgage statement claims that the contractual remaining term on this loan is 29 years and 9 months. ( paperwork attached ) That means they are claiming I took out this loan in XXXX XXXX, when the title indicates I bought the home in XXXX. 

Something very fishy is going on here. I am trying to get to the bottom of it. I want to try and fix this problem and fix this loan but I ca n't even get a straight answer about what has happened with this loan, the failure to release the construction loan, why there were no statements issued etc. Of course any efforts to try and get Bank of America to allow me to apply for programs to SAVE my home are met with fierce resistance or indifference. I have never had the opportunity to apply for any type of programs that would allow me to be reviewed for retention options based on my current financial circumstances. I was never offered mediation as required in the state of New Jersey. I was never offered Occupied Conveyance. I was never allowed to be considered for any home saving programs and I do n't know why any of this happened. I really need some answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been trying for about 6 months now to enroll my student loans in the public service forgiveness payment. Every time I call, I get incorrect information from call center reps and/or they lose portions of my application. The last straw came today when I was trying to re-apply for the income driven payment plan for the third time after receiving inaccurate information about my monthly payments. When asked how many people are in my household, I answered one. The rep asked if I had roommates. I told her I did, and she said she would list them on my application in order to reduce my monthly payment. I told her that I was very uncomfortable with this arrangement, and that I would not be claiming my roommates as members of my household since I in no way pay for any of their expenses. In addition to the saga of trying to get into the public service forgiveness program, this arrangement borders on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Auto) with American Credit Acceptance, LLC (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: American Credit Acceptance continues to call after I have told them repeatedly as well as sent them court documentation ( from divorce ) showing that this debt is the responsibility of my exwife and not myself. There have been 3 phone calls today alone one at XXXX CST one at XXXX CST and one at XXXX CST. When asked to speak to their legal department they have stated " this is not a legal issue ''. They have also stated prior that there is no legal department contact number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I originally took out a loan from XXXX to pay for my education at XXXX university. Since graduating, XXXX has sold off my student loans to other debt collectors including Navient & now XXXX. After receiving multiple calls a day from XXXX- I finally answered. A woman went through all of my financials to come to the conclusion that I had no extra money lying around monthly to make minimum monthly payments. She then suggested I borrow money from friends and family to pay off their debt. Umm no, if I had that as an option to BEGIN with for my education i would have used it rather than take out a private loan with an extremely high interest rate. Then she suggested I take out another loan to pay for their debt they are collecting. Again, NO- if that was so easy I would have done it already ... and isnt it illegal for a debt collector to suggest I take out another loan to pay off their debt? 
Finally, the last option she gave me was a settlement of paying a significantly less amount of $ XXXX instead of the $ XXXX she said my balance was, yet she couldnt put anything in writing to validate this was an agreement. yet she wants me to agree to something so significant without any sort of validation or protection for me. 

It has been a week and I have received 34 calls from them since then, and not one email or anything in writing that states my total balance or any thing that was spoken about on the phone. The harassment is UNREAL.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Did Wells Fargo pull a bait & switch by changing a 15-year mortgage to a 30-year mortgage at a higher interest-rate? Over the term of the loan, total interest payable was increased by {$160000.00}. It is a sad tale of nonexistent emails, lost documents, discovered exhibits, mysterious sentences, secret guidelines, disappearing taxes and bad math. Really bad math. Wells Fargo based its action on numerous misstatements of fact, having the effect of understating income and overstating debt in the critical debt-to-income ratio. More importantly, when Wells Fargo last month finally disclosed how it computed its final DTI ratio, it became apparent that the monthly amount it allowed for the 30-year higher-rate mortgage was more than sufficient to pay the 15-year lower-rate mortgage. Yet, Wells Fargo approved only the 30-year loan and denied the 15-year loan. While it is unclear whether Wells Fargo made these many mistakes out of intent or incompetence, it should quickly correct its now obvious error out of simple  fairness and to avoid acting in bad faith.

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