milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I sent a validation of debt to Wells Fargo about my auto loan that was charge off I was inquiring about the amount and etc. Wells fargo recieve the valdation letter XX/XX/XXXX on XX/XX/XXXX I recieve a letter stating they will get in contact with me nothing validating the debt so I sent a second valdation on XX/XX/XXXX letter giving them 5 business days to valdate the debt the receive the letter XX/XX/XXXX. It is pass the 5 bussines days so I ask them to remove the debt of my credit which they fail to do

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 10-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My Navient accounts were put in forbearance from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX with no alternative payment options given. I paid interest only during this time. 

These student loans were issued in XXXX and XXXX. The total amount I borrowed was {$24000.00}. I consolidated {$22000.00} in XXXX XXXX which was also my balance in XXXX after 9 years of forbearance. I did not reapply for forbearance each year as the law states should happen. 

I have been paying on these since XXXX and I still owe $ 13,000+.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (Conventional home mortgage) with PROVIDENT FUNDING ASSOCIATES (ME).
Issue: Trouble during payment process

Complaint: Provident Funding recently became the servicer for the mortgage that was transferred from original lender who was XXXX XXXX.

Provident Funding has committed a slew of unfair and deceptive practices in loan servicing, debt collection, and credit reporting that affected me and most likely other homeowners nationwide.

Provident Funding has maintained incorrect and inaccurate information.

Provident Funding has failed to correct inaccurate information in a timely manner.

Provident Funding claims to have sent numerous notices, however the mailing address is not correct and therefore the notices were not received.

Provident Funding claims they have called and left numerous messages, however the telephone number is not correct and therefore the messages were not received.

The mortgage was paid every month on time and funds were deducted from the checking account automatically and transferred to pay the mortgage on the last day of each month. Provident Funding failed to transfer money that was paid to the account.

As a result of these unfair and deceptive practices in debt collection, the company has furnished credit reporting agencies with customer information it knew was inaccurate, and failed to correct inaccurate information in a timely manner and assessed a late fee of {$49.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2015 I ordered a furniture set from Sears using their credit card. I received a bill for {$760.00}. The bill was due on XXXX XXXX, Saturday and I sent it in 7 days prior to the day it was due because it was a Saturday. I paid the amount in full. On XXXX, I received another bill from Sears with a fee charge of {$25.00} and interest charge of {$14.00} for a balance of {$690.00}, not even sure where that came from I have no balance prior to the above mentioned, totaling {$39.00}, because they did n't cash my check until Monday. I have noticed while reading comments that many people have had this problem and because Sears was n't resolving it they were getting more fees tacked on while disputing. I sent a letter to them on XXXX but I would like to make sure it gets resolved so I do n't get additional fees. According to the new law when a payment falls on a weekend, holiday or when the business is closed I should not be subject to late fees.According to their rules you can call them but they are not required to investigate without a letter, so I did n't bother to call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2018 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OK).
Issue: Trouble during payment process

Complaint: I refinanced a mortgage held by Carrington Mortgage Services LLC to another financial institution in XX/XX/XXXX. I closed the refinancing on XX/XX/XXXX ; the funding was completed on XX/XX/XXXX. On XX/XX/XXXX I  contacted Carrington 's customer service department. During that call Carrington told me I was owed {$2200.00} by them and that I should receive a check for that amount in " 15 to 20 days. '' I asked to clarify that time frame further and was told to expect the payment by XXXX at the earliest and XXXX XXXX XXXX XXXX at the latest. 

I have now waited more than 23 business days and 36 calendar days -- and still have not received the {$2200.00} Carrington owes me. I have called Carrington 's Customer Service department several times ( weekly ) and all Ive gotten are excuses. I was told the check for my {$2200.00} was printed on XXXX XXXX ( XX/XX/XXXX ), and then later told it was printed on XX/XX/XXXX. I was later told the check number ( # XXXX ) and that the checks in the mail. I was later told checks take a long time to get out of the building and remember, theres lots of returns being made after XXXX so the Post Office is really busy and the checks go snail mail and its really slow as a snail. 

Ive been told to ask the mailman where it is. Ive been told to wait another week, and to wait another week and to wait a few more days and that you dont want to report that check missing, because then we just have to start the process all over again and it will take at least 30 days before another check is sent. 

It appears Carrington is deliberately slow-rolling the process of refunding money due to their customers. Request your assistance in recovering the money due to me from Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.

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 06-08-2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (MS).
Issue: Struggling to pay mortgage

Complaint: I n 2006, I  purchased the   XXXX   XXXX   XXXX   in  XXXX  Ohio. This property was wrongfully foreclosed by  BAYVIEW  loans after getting behind in payments. I never received the proper legal documents informing me of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MN).
Issue: Trouble during payment process

Complaint: I have a Conventional Mortgage that has passed the 78 % threshold and meets all the guidelines stated in the Homeowners Protection act that should automatically trigger the removal of the PMI payment on my account. I have inquired with my Loan servicer to confirm that this will be taken off my account, they have replied that my PMI will remain even after meeting these requirements. The company is Specialized Loan Servicing ( SLS ) SLS.net They are refusing to get the PMI taken off of my account and will continue payments out of my escrow account. I have messaged and called on this matter and they are saying that they are unable to remove the PMI. The initial request was on XX/XX/ and the follow up call occurred on XX/XX/.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed the following accounts due to fraud, I have sent in countless pages of documentation proving this claim. The fraudulent accounts have been removed from both   XXXX   and  XXXX  for fraud but are still showing on Experian.      XXXX   XXXX   XXXX   XXXX   XXXX  : {$950.00}   XXXX   Balance : {$260.00}  XXXX   XXXX   XXXX  Balance : {$3200.00} I would like these removed immediately as they have been confirmed by other agencies to be fraudulent. You are reporting false information! The other agencies should have shared this information. My next step is to send a letter of intent to sue. Thank you.

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 12/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. ().
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hi there, I took out student loans with XXXX XXXX which are now services by Navient. Since I started re-payments, my account has been a mess and the payments have been misapplied and I have been defaulted apparently and they have then re-applied them after I have complained. 

Recently, i have looked into this further and they have misapplied my payments throughout XXXX and once they no longer accepted by XXXX debit card for payment as it was deemed a credit card on their system, i was left with no help trying to get payment to them and XXXX options since I do not have a XXXX bank account. I found an alternative to this by using a transferwise.com website to make payment to their lock box account. The representative that helped me set that up in XXXX also confirmed that I should be making a lower payment which i questioned and he confirmed that I should be paying the lower amount. I then found out that all my loans are in default because the amount i was to be paying is incorrect and not covering all loans. I have requested numerous times to have these calls researched and have complained and nothing still has been done. 

I am now in the US for the holidays and wanted to rectify the matter and was just told from their staff they can a request research yet again into the problem but that they could n't take any payment today or help me. I am a XXXX XXXX XXXX woman who has had both federal loans which are paid off now and private loans from XXXX XXXX for education in the XXXX and I feel like I am being cheated by Navient with bad information and also with the constant misapplied payments. I am trying to pay these off and probably are in a lucky position where I can make payments every month however I feel that the company are acting illegally and i am being penalized for this. 

I feel that I have no other option other to contact you to complain and to gain advice. I am in the US until the XXXX XXXX and I understand you may receive thousands of complaints from Navient but would really appreciate you getting in touch before I leave the country. The best contact number to reach me on is XXXX. The above I hope is a snapshot of the issue and hope you find it to be of some clarity. 

Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been trying to contact Navient for the pass 3 to 4 weeks to try and get a pay off of my student loans that I have with them. No one has contacted me to help out in this matter. I 'm trying to make a payoff agreement to pay my original loan balance minus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Payoff process

Complaint: On XXXX XXXX, XXXX I contacted Citibank XXXX to inquire about a closed credit card account I have been paying on. I have been on a special program under Citi since XXXX XXXX. At that time Citibank offered me a retiree on a fixed income ( which the bank has no respect towards ) a ludicrous settlement offer of paying {$170.00} a month. That was it! I started paying but later could not. Citi then offered me a plan ( which they could have at first ) of paying {$70.00} between XXXX XXXX to XXXX XXXX. In XXXX of XXXX another settlement arrangement was agreed where I had to pay {$70.00}. This still holds true today. 

In XXXX XXXX I requested an interest to settle the account, but was informed a settlement option was not available because the account is enrolled in a Balance in Full payment arrangement program. These programs are suppose to be offered at a discounted amount on the balance, but Citi has created their own policy and would rather dry your pocket of every cent.Fast forward to XXXX XXXX, XXXX inquiry about the account. I was informed that the account is 169 days past due. A closed account past due? The banking rep stated that the account though technically closed, really is no, t according to Citibank policy. No laughing matter but I see why Citi gets into trouble due to their malfeasant banking polices of " soaking '' as much money out of the consumer as they can!

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My information has been compromised as a result of the XXXX security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.

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 08/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I am finding out my house got sole last week I got a modification offer from Ocwen 1st payment due XXXX 2016 next due XXXX 2016 I did not understand it said i owed XXXX with a XXXX Balloon also showed my escrow of XXXX my escrow was and is XXXX I ask them to explain they said were getting me the infomation I keep calling over and over the same thing and when I called on XXXX XXXX, I was told since i did not pay in XXXX the Mod was off I ask to explain what i have and would have paid if they got back to me and why can i not make both payments so again they would check into it and get back with me. I been calling and got a call from a realtor yesterday my house was sold back to the bank and he wanted to give me money to sell it I was never told it was being we have good jobs and can pay for it this was my grandmother home the only place me and my kids have lived i been paying on this mortgage for 11 years I do n't know what to do Please help me save my home!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: Santander accepted a settlement after an auto accident. They also agreed to return an over payment of XXXX. Since then they have reneged on their agreement, and have started harassing my wife and me. They are claiming we owe them money, and they have placed negative reports on our credit. We have sent them several letters, including XXXX from our attorney, and they continue to ignore us.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Incorrect/missing disclosures or info

Complaint: I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Since I 'm a  Costco Wholesale Club member I did try to get the Costco Anywhere Visa accou nt, which is administered  by Citigroup , Inc but my application has been rejected because I filed for bankruptcy more than 13 years ago and in the process, its was included a previous account I had with Citibank. It looks to me as if they do consider filing for bankruptcy as an illegal act and I would like you to clarify my thoughts on this matter.I did send a letter to them dissenting with the decision they did take and remembering to them that Citigroup , Inc. along with others finances institutions almost sank the whole economy in the USA i n   XXXX   and did n't file for bankruptcy itself because the government by the time granted them the astronomical amount of  XXXX . Ir onically, I do have a Best Buy credit account which is managed by Citigroup and by the way, my credit score is  more than  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 09/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Please help me understand why CFPB does not come up with a standard program to cure the XXXX Loans rather than give so much discretion to Wells Fargo Bank N.A . which usually leans on getting as much as possible from the homeowners. XXXX. 

We all know - '' Millions are victims of wrongful foreclosures. Loans during the housing bubble were repackaged into securities and sold on XXXX XXXX putting the true holders of mortgage debt into question. The entity Wells Fargo that is trying to foreclose has no legal standing to do so. There is of course something the banks want no one to know - but the public knows. '' According to a deposition taken by an employee at Wachovia, there was never a transfer of notes from World Savings to Wachovia, just a name change and no real merger or transfer ever took place as XXXX, still has custody of all original notes XXXX See : Page XXXX, lines XXXX, Page XXXX, lines XXXX, Page XXXX, Lines XXXX. 

Wells Fargo fabricated paperwork in mass to prepare for bogus foreclosures : XXXX Since XXXX is now a defunct organization, Wells Fargo is a pretender Plaintiff and has no standing to foreclose as the note could never have been assigned to them since it was securitized and sold to a XXXX XXXX XXXX and Wells Fargo are mere debt collectors or servicers of the loan, and hence have no legal standing : See : In re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Servicing XXXX Wells Fargo Bank, Bankruptcy XXXX XXXX XXXX XXXX XXXX, 2010.

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