milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: Borrower mortgaged his primary residence in XXXX for {$450000.00}. The loan is presently either owned or managed by Wells Fargo and is in default. The sale date is XX/XX/XXXX. On XX/XX/XXXX borrower gave verbal authorization to Wells Fargo to speak with borrowers loan broker. The broker made 5 separate calls to Wells Fargo. The number they provide is a call center than has no authority other than to refer the matter to another department. The loan broker spoke to 5 different parties. Three of them acknowledged the authorization for the loan broker to represent borrower for one day. The last representative could not locate the authorization that 3 other representatives found. Most of them recommended that the loan broker speak with another department. In the first case he was transferred to a disconnect. In the second case he was transferred to unending music. The third transfer was back to the same call center. A fourth transfer was to an outside and apparently unrelated company. The total time spent trying to speak to someone at Wells Fargo was 2, 1/2 hours and was totally unsuccessful. Two of the representatives said that the sale date could be extended but the requirements were impossible to satisfy. A pair of representatives said that a loan modification might be possible but the loan broker was not transferred to the proper party, and it was almost certain that discussion of a loan modification would be futile. Also the rate would be unfair and punitive if it could be accomplished. It is apparent that Wells Fargo is stonewalling borrower, with the intent to go to sale so that borrower loses his home or a sale is postponed and borrower is forced to pay unreasonable rates for the near future. Equally troubling is that Wells Fargo is aware that borrower is a minority and is being treated unfairly, much more than a non-minority. Finally borrower has a new lender who will lend enough money to pay Wells Fargo everything they claim is due. This lenders primary requirement is that the notice of default be lifted. Borrower owes about {$470000.00} and the home is worth approximately {$690000.00} at market value. Borrower is also able to make the monthly payments as due, and would be far better able to make the payments on a new loan at market interest rates. Since borrower is presently making all payments monthly as due, Wells Fargo is not at risk of any loss at all by lifting the notice of default. The notice may also be invalid for legal reasons. This is bad faith on the part of Wells Fargo.

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 05/16/2016 about Debt collection (Auto) with CCS Financial Services, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was incident between my boyfriend and I. But now the collections company is coming to me because some XXXX ( his friend ) made a fraud insurance claim with my name. I am not involved with this incident. I went to court for it already and those charges were dismissed, therefor I am innocent of them. The collections company keeps harassing me even after I faxed them the proof of the charges being dismissed and told them I have a lawyer. I do not need this showing up on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have been logging complaints against Ocwen since XXXX and still my issue and those of at least XXXX other individuals have not had closure with this inept and corrupt company. How long will they be allowed to stay in business and disrupt peoples lives? Their stock continues to drop like a rock. I believe at the time I registered my first complaint, OCWEN stock price was approx. {$60.00} per share. As of right this minute it is trading at {$1.00}. How long before this company is de-listed and sent packing and those who run this company sent to jail? And when will all those people who have been ripped off be compensated for their losses because of this company? 
Again, in my case they have been/are in collusion with XXXX XXXX XXXX XXXX. and their legal representative XXXX XXXX. They were attempting to sue me for approx. {$35000.00} dollars and then settled with me, out-of-court for approx. {$5000.00} and then went directly to Ocwen and received money from them without my knowledge. Then as recent as a couple of month ago in XX/XX/XXXX and STILL do this again for approx. {$7000.00} which OCWEN paid them ( XXXX ) even though this has yet to be rectified. 

I do n't know what else to do/say. Ocwen, should until this gets resolved at the very least, be banned/bared from foreclosing on anyone else. 
As usual I am afraid OCWEN will go under before they can pay me or anyone compensation for all their wrong doing. They are attempting to foreclose on me again ( this is about the 3rd time ). This needs to be stopped NOW. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Consumer Loan (Vehicle lease) with BB&T CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: XXXX XXXX XXXX, XX/XX/2015On XX/XX/XXXX I sent you this complaint with photos and other evidence. You sent me an answer but not a number or any other information. I am sending you just the letter and hope you give instructions to go on. Thank youConsumer Financial Protection Bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2015XX/XX/XXXX I received a bill from XXXX XXXX XXXX XXXX. 
located at XXXX XXXX XXXX , XXXX, XXXX XXXXRe Claim XXXX Lexus CT 200H Lease # XXXX Aptrack # XXXXThey claimed the bill was for repairs when I returned a leased 2011 Lexus CT 200H. 
XXXX ( parts ), XXXX ( body labor ), XXXX ( paint labor ), XXXX ( paint supplies ) and XXXX ( body supplies ). The total was {$4.00}. 

I protested and XXXX lowered the charges to {$2.00}. XXXX to be paid in in three installments of {$890.00}. I finished paying XX/XX/XXXX. 

There was the arbitration option that I could not take because I had several tripsahead of me. XXXX had threatened to hurt my excellent credit history. 

I am still very upset because the car had been inspected by an expert from XXXX just before I returned it and he noted on his report ( enclosed ) : " car condition : " EXCELLENT ". He also took pictures ( enclosed ). 
I had made all the repairs recommended by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount estimated by XXXX. The check from XXXX was sent directly to XXXX XXXX. 

The car had only XXXX miles on it. XXXX never gave me any credit for wear and tear nor for the low mileage. 
I have leased cars in XXXX for 21 years and was never charged more than few hundred dollars for repairs when I returned them. 

I am not sure if you can do anything for me but I am sure that I am not the only victim of XXXX 's abusive charges. 

Thank you,XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have recieved multiple calls from a company by the name of Portfolio Recovery Services. They are calling me harrasing me about a debt I have no recollection of as I have never done buisness with this companyy before. They call me from various numbers and when I ask them how they got my personal and work phone numbers they will not tell me and they hang up or talk over me. Latest numbers below .... 

( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (I do not know) with NORTHLAND GROUP INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Almost everyday few phone calls looking for someone I do not know. I have never deal with this company, i had no busniss with them, and they call looking for someone else. I have the same phone number for about XXXX years.I Asked them to remove my number from the system several times. But the harassment never stopped

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I initiated a dispute with Equifax in XX/XX/XXXX regarding a derogatory remark indicating a past due amount of {$58.00} with a medical facility in XXXX Texas. This past due bill was paid in XX/XX/XXXX/XX/XX/XXXX. 

I received an email telling me that my dispute had been completed ; however, when trying to access the information, the 'system ' would not let me in. I called Equifax on two occasions ... the most recent call being today, XX/XX/XXXX. 

I shared my concern with a female employee who told me only that the dispute had been completed but she would n't tell me the outcome. She transferred me to XXXX and he told me that I had called the wrong number and to call XXXX between XXXX XXXX and XXXX XXXX. I called the number at about XXXX XXXX and, through an automated system was told that the center was n't open and to call between XXXX XXXX  and XXXX XXXX! 

I check my credit score routinely. Currently, it is XXXX with XXXX and XXXX with Equifax. While many might view this as insignificant, I do not. I am concerned about Equifax 's information coupled with the gap between the two agencies. I am also concerned about the lack of customer support/customer information provided ( or not provided ) by Equifax. 

I appreciate any aide from CFPB. I can be reached via email to XXXX or by phone to XXXX. 


Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the XXXX XXXX was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.

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 05-08-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: The rate change but did not drop it low enough. They included all these fees, and interest which made me feel taken advantage of and discriminated against while under duress. They stretch the mortgage out to 40 years.     This process has brought on  XXXX   XXXX   XXXX  up and caused me to have  XXXX  during creating    XXXX   and in turn, I got a divorce while trying to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I was informed by Wells Fargo Refinance Department that even with a co-signer, they would not refinance my loan. On that call, they told me that I needed to contact the Foreclosure Department for more information about my account. I had begun that process on XX/XX/XXXX because our Wells corporate office contact had offered it as an alternative to foreclosure in a registered letter in XXXX. 
It was on that call on XX/XX/XXXX that I was informed that Wells had initiated their internal process of foreclosure last month, on XX/XX/XXXX while I was in the refinance process. 
Wells Fargo has sent me several XXXX XXXX packages this month, none of them contained a word about the foreclosure process. They did not supply me with information regarding a trustee to contact. Twice they sent me notices that they no longer were paying my property insurance - they have never paid property insurance for me. 
They negotiated in bad faith with me and my co-signer. The foreclosed without written notice. The again have put me, a XXXX woman through a pointless process, wasting my time to prepare my home for a sale in which I can make a profit. My home has over 600K in equity. It is this reason they are trying to foreclose without allowing me time to sell. They are intent on short selling my property out from under me and pocketing the profit. They want my profit and they refuse to work with 3rd party mortgage modification programs because I have equity.

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 04-05-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Closing/Cancelling account

Complaint: I had a Citicard DriversEdge card on which I had accumulated hundreds of dollars in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.

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 07/25/2016 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They contacted me at my place of work which is highly unethical and against the FDCPA in NJ. The name of the company contacted was Transworld System Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with Perfection Collection (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, I received an alert from XXXX that a collection account was listed on one of my credit reports by Perfection Collection in the amount of {$4000.00}. On XX/XX/XXXX, I submitted a dispute with the Better Business Bureau requesting that Perfection remove the trade line from my report because they are not licensed to collection debts in the state of Maryland ( verification is attached ). This company is not lawfully able to collection on this alleged debt from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Approximately 5 years ago I was approved for a loan modification through the making home homes affordable program, the mortgage principal was reduced and a forbearance applied for the remainder of the balance along with a reduction to the APR. Yesterday I received XXXX letters from Nationstar Bank offering me the opportunity to refinance my current mortgage {$180000.00}. I have received multiple letters in the past which I have responded by calling them. I spend 1/2 hour or more explaining my mortgage to them including that I have a forbearance and questioned if I really do qualify or not. At that point the mortgage consultant reviews my account and tells me " no '' you do n't qualify as you still owe more than the home is worth. I feel that the practice of sending multiple communication enticing someone with the hopes of reducing their mortgage is unfair and deceptive. I would assume that Nationstars system has the functionality to identify accounts that have a forbearance and not get hopes up that the payoff amount is a significant amount more than the letter states. I asked to be opted out of any further solicitations which include emails going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Citimortgage is being unfair in evaluating us on a loan modification. They are making it very difficult for us to keep our home and suggesting that we do a short sale when that is not what we wish to do. We were offered a loan modification back in XXXX of XXXX. We were told by XXXX that we may qualify for some government programs that was put into place by President Obama. When the paper work was submitted by XXXX it was declined and we could not understand this decision since we were offered a modification through Citimortgage back in XXXX. We have been passed around to three different representatives since our process began back in XXXX XXXX and each representative does not fully read our entire case file. I believe this leads to poor judgements and decisions on our behalf. 
I have attached a file with extensive details and facts.

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 08-03-2016 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: My account was debited for a large amount by TD Bank with no explanation nor was I contacted. All that was said was " WITHDRAW endorsement XXXX TD Bank '' Why did TD Bank take my money?

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The referenced accounts have been reporting on my consumer credit file in error XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 05/19/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Completed Chapter XXXX bankruptcy in XXXX. Mortgage company contacted us in XXXX XXXX via mail to notify us that they are foreclosing on our home due to not receiving a payment from XXXX XXXX ( during our XXXX ). The payment in dispute was a check that was cashed by a previous mortgage company and right before the new mortgage company acquired the loan. The mortgage company was given a complete list of all payments that were made by the trustee with a XXXX owed balance at the time of discharge. In addition to this ledger, the mortgage company was supplied a copy of the cashed check that proves they cashed the check for the month they are disputing was never received. I have also provided them with a copy of the discharged bankruptcy that states they, as debt collectors, authorized us to be discharged and that there was no outstanding debt at the time of discharge. It is now 4 months later and the mortgage company has not resolved the issue. We were in the middle of selling this home and in the process of purchasing a new home. We have now had to take the home off the market, lost the opportunity to buy a new house, and have damaged credit. Even with all the evidence, the mortgage company continues to argue that they need more time to evaluate the loan documents. I am in jeopardy of losing a job offer because my credit history states I am " late '' since XXXX when I have provided proof that I have not been late since we entered into this bankruptcy and have never been late in submitting payments when we started making them on our own again. I literally call every single day and have been told since XXXX that they need an additional XXXX more days to review. The manager will not call me back, the supervisor says he 's " done all I can do '' and we are forced to lose the chance of selling our property, buying a new home, and ca n't even rent if we wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Credit card) with D2 Management LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: From what I can tell, someone is selling my information to fake debt collecting companies. These companies then proceed to call with threats of impeding arrest, and demands for immediate payment with no written correspondence. 

They are calling my parents threatening that I need to call them else they will hand deliver warrants at the home or that I need to schedule time at my place of work and have both my manager and security personnel present for document deliveries. All these actions are harassing and breaking the law as I understand the Fair debt reporting and collection act. The latest company is calling from multiple numbers from Rhode Island.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2017, I sent my settlement payment ( USPS money order ) to Trident Asset Management. My payment was delivered on XXXX XXXX, 2017 at XXXX. They are claiming they have not received my payment. I have called everyday since being delivered checking the status. I believe they have my payment and are holding it for some reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief