milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Application, originator, mortgage broker

Complaint: We are trying to refinance our house. We had been with XXXX which sold out to XXXX XXXX XXXX and has now sold our mortgage to Nationstar. 
We have given written and verbal permission to Nationstar to share information with XXXX XXXX Bank to refinance. This process started the XXXX week of XX/XX/XXXX. 
For some reason the loan was being held up and not being released to XXXX XXXX Bank. We were finally able to find out that they were stating we had XXXX liens on our house. It seems that when we bought the house and we used VA to purchase and then a few years later when we refinanced we went with FHA. The VA loan was never removed by either XXXX or by XXXX XXXX XXXX. So we have asked Nationstar to remove the VA loan as it is not correct, we are being stonewalled. We are told it would take a month to remove. I sent an email requesting that this should not take a month to correct an error of this type and was told that it would be considered and we will be notified XX/XX/XXXX. 
I feel that our mortgage is being held " hostage '' because they for some reason do n't want to release it to XXXX XXXX. I ca n't think of any other way to explain this. All the people who have been trying to obtain information are amazed as to the way we have been treated. The numerous people I have spoken to at Nationstar have been very unhelpful. I have even call the corporate office and the woman I spoke to was amazed that this was going on. 
We just want to move on and change companies and complete this process.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My Mortgage was bought by Green Tree which Changed their name to Di Tech. Due to A XXXX issue with my daughter I was trying Get my interest rate reduced it is at 7.036 % I was sent a letter and told to not pay XXXX payments to Qualify for XXXX or XXXX program. All Documentation has been sent they keep Stalling. No answers and now they are threatening Forclosure. They are many complaints on /line of The same issues. I sent everything by fax and Certified mail. Still say they have not received All documents. I have proof they have it. Please Help me before I loose my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Settlement process and costs

Complaint: Got behind in our payments, Owcen offered to do a loan modification under HAMP, but would not disclose the terms until we signed the paperwork. We did not actual fill out an application, only the form that says we are not trying to defraud the government. Received the loan modification papers today, and they did lower payment from XXXX to XXXX and also lowered rate from 8.5 to 5.0 on our {$120000.00} mortgage ( our home is worth about {$300000.00} ). They included a BALLOON payment at the 214 months end of the loan term for {$90000.00} which means we are really refinancing {$120000.00} + {$90000.00}.. This seems outrageous and should be illegal if it is not, especially using GOVERNMENT FUNDS to finance this loan. Please investigate!!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received a credit card from  Wells Fargo  on   XXXX   XXXX   with a credit limit of {$13000.00} in mine and my mothers name. Neither of us have requested this card. I understand  Wells Fargo  is in the middle of fraudulent hearings about these issues and they seem to still be practicing these horrific habits.     I will be reaching out to  Wells Fargo  but wanted to report this.

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 10/29/2017 about Debt collection (I do not know) with Alliance Data Card Services (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receive XXXX calls a day from an unknown number. Picked up to ask for them to leave a message with a call back number. They said they would not do that. Continue to call me while at work XXXX times a day and leave no message or contact information. Once again asked for them to leave information so I can call them back when I am not at work. Once again said they would n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had an account with JCPenny, the account was not in collection or bad standing. First based on my credit my credit limit was decreased by JCPenny putting me at the top of my credit with that account. After seeing this I paid the account in full. I recently received a letter from JCPENNY stating they closed my account because of my credit score. Again I had paid the account in full and there were no adverse issues with my account with JCPENNY. I am in the process of paying accounts down and off. This is yet another blemish on my report bringing my score down.

Its very disappointing and discouraging when I am trying my best to correct my credit mistakes and creditors can railroad consumers. When I contacted JCPENNY was told they had the right at anytime to review my account and decrease or close it even if I have paid them on time. I stated its not fair and representative said she didnt make the rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: A Capital One credit card is not reporting on my XXXX and XXXX credit report. The account starting with XXXX was opened XX/XX/XXXX2001 and has been paid in full. I 've notified the company repeatedly but they have failed to update the XXXX credit bureaus with the accounts information and only update the section which displays when the account last reported.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (PA).
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 have accounts with the banks ( Navy fed, XXXX XXXX XXXX ) yet the banks have had my address wrong I have called the banks on three telecom calls and ask them to have the unit number on my accounts so I may get the mail. It was not updated as a result my credit has been messed up. I would like for the banks to update my account if they have not done so and resend the statements out so I can review the bills and pay what is needed, and update my credit report please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a debt validation request to Ad Astra Recovery on XX/XX/2016 and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that Ad Astra Recovery refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (NE).
Issue: Managing the loan or lease

Complaint: We have a fairly new lease on a new XXXX vehicle managed by Chrysler Financial. 

There appears to be no way to make a payment to Chrysler Financial without having to pay a XXXX XXXX fee. 

When we learned of the fee for making an electronic payment on the Chrysler website, we decided to add them as a payee on our banking bill pay instead. This way the payment goes straight from our bank to them and we do n't need to use the XXXX XXXX interface web page or services. 

A week or so after our payment was made, we received a bill from XXXX XXXX for a fee ... ..although we did n't even use their services!!!!! 

It seems unfair to force consumers to pay an extra fee just to make our lease payment directly to Chrysler Financial. There appears to be no way to avoid this fee from a 3rd party even though we are not using their service. 

This fee was also NOT disclosed on our leasing documents or during the leasing process. 

if Chrysler decides to use a 3rd party to process their payments, that seems to be their cost of doing business NOT mine.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Other financial service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Excessive fees

Complaint: On XXXX XXXX, 2015 I purchased a Moneygram money order in the amount of {$250.00} [ Check No. XXXX ] for {$.00}. 

The Payee was not paid for failure to render Service ; therefore I ( " Purchaser '' ) requested the funds be refunded back to Purchaser. 

On XXXX XXXX, 2015 I purchased XXXX Moneygrams money orders in the amount of {$200.00} [ Check No. ( s ) [ XXXX and XXXX ] for {$1.00}. 

The Payee was not paid for failure to render Service : therefore Purchaser requested the funds be refunded back to Purchaser. 

On XXXX XXXX, 2015 Purchaser complete and filed a request for return of funds by mailing the " Claim-card '' as suggested on XXXX phone instructions and prompts. 

On XXXX XXXX, 2015 Moneygram returned Purchasers " Claim-card '' request for failure to sign signature card. On XXXX XXXX, 2015 XXXX signed XXXX claim-cards and re-mailed to Moneygram on the same day. 

On XXXX XXXX, 2015 Moneygram mailed a Money Order No. XXXX in the amount of {$230.00} for the purchased money order [ Check No. XXXX ] for {$250.00} ; Moneygram profited a Fee of {$15.00}. 

On XXXX XXXX, 2015 Purchaser attempted to cash the check at Wal-Mart, and was charged an additional undisclosed fee of {$3.00} for returning money from [ Check No. XXXX ]. Total fees {$19.00}. 

On XXXX XXXX, 2015 Purchaser has made several attempts to call Moneygram, making inquiry to XXXX unaccounted for money-orders. Purchaser spoke with a rep- who identified herself a " XXXX '' approx. XXXX XXXX PCT. Upon further inquiry, XXXX XXXX disconnected the phone. 

Purchaser returned call back to Moneygram at XXXX XXXX PCT, whereas she spoke with a rep- who identified himself as " XXXX ''. Purchaser requested to speak with a Manager ; however, XXXX proceed to ask multiple unrelated questions which were intrusive and evasive to the issue of missing money-orders. XXXX then place Purchaser on hold for XXXX minutes before disconnecting the line. 

Purchaser returned a third call at XXXX XXXX whereas a rep- identified herself as " XXXX '' who explained that, " Fees are charged for processing paper refunds with XXXX XXXX XXXX . '' Rep- stated, " Did you read your contract, where we charge to process your refund? " Purchaser has XXXX issues ; for XXXX Check Processing1. I paid for the paper Money-Order [ FEE XXXX XXXX cents ] 2. I must pay for a [ XXXX FEE {$15.00} ] to receive refund? 
3. I must pay a [ THIRD FEE ] to cash the Cashiers Check? 

MAJOR ISSUE1. Moneygram / XXXX have FAILED to return moneyRep ( s ) have made FALSE CLAIMS that my address was not in system. 

IMPOSSIBLE! First Check was mailed to P.O. Box which was provided in writing as RETURN MAIL ADDRESS. 

After reviewing the Online Complaints with this Company, there is an ongoing issue with the Accounting and Employees. " XXXX '' was arrogantly confident to tell Consumer/Purchaser, " Do what you have to do ... we only process the paper. " GREAT CUSTOMER SERVICE. I 'm out {$400.00} USD! REALLY?

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I was current on my mortgage and requested a modification from XXXX XXXX XXXX due to my husband 's illness and loss of income and was denied because I was current. In the process, XXXX suggested a short sale of the property. After retaining a realtor and going through the short sale process, we received buyers who had secured their loan. XXXX accepted the offer. During the closing process, XXXX continued to require additional documentation which caused me to lose the buyer. By this time, my financial hardship was excessive. With the anticipation of a short sale closing, we accrued additional debt to move out of the property, which caused me to become behind in my mortgage. Consequently, XXXX XXXX XXXX forced me into foreclosure because of their negligence in processing the short sale. Two years later, I 'm being harassed by Ditech Financial, LLC advising that I still owe for the property, although, the property was sold back in 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Company failed at refinancing causing great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding c/o XXXX XXXX XXXX has actioned in District ct of XXXX, MI civil collection of a debt they have from the date of XXXX 2015 refused to validate under federal law. This company has acted capriciously to collect on a debt not owed and/or validated to be owed and too refused to validate they have right to recovery of debt for third party by being purchaser of the debt by proof of a valid contract of the debt purchase. These actions also violated the consent agreement XXXX XXXX. XXXX -CFPB XXXX by CFPB administrative adjudication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello I am familiar with a lawsuit that you and Attorney General XXXX XXXX have made against Navient and XXXX XXXX and I would like a voice in this matter! I am one of the many students affected by the company Navient. 

I recently read the article on what you plan to do to these big loan companies. One of which I actually have student loans with and let me tell you they are n't pretty. I am XXXX years old and moved to XXXX in 2015 to attend the XXXX. I graduated XX/XX/XXXX, and I am still in New York pursing my XXXX career. I already have a XXXX and XXXX, but naturally I am struggling. To come here I took out the Parent Plus Loan. The first year my parents co-signed and the second year my now retired grandparents co-signed. I currently have {$80000.00} of student loan debt in my name. The funny part is that {$65000.00} of that debt is technically under my parents because they co-signed, and they are basing my payment plan on the {$70000.00} my dad makes in a year. But the kicker is that my parents are unable to help me pay my loans because they are caring for XXXX other children at home. So I am in this alone with a payment of {$480.00} every month for the next 25 years. That payment on top of {$770.00} for rent, {$110.00} for my monthly XXXX card, and {$100.00} a month for groceries. I am working XXXX jobs and having to sacrifice money for the student loan payment and rent out of my grocery money. The XXXX jobs are not cutting it and I might even have to get a XXXX. I have not time or effort to put into my career and it really makes me sad. I even went so far as setting up a XXXX account to see if I could wrangle up any kind of help. I hold an XXXX in XXXX. XXXX is my passion, the only thing I want to do and I barley have time to dedicate to it because I am working day and night just to have enough to survive life and the loan. I really want to be a part of what you are doing and have a voice in the matter. I want to be a part of this and maybe some relief for XXXX just like me can come of this. If you read this email PLEASE HELP. I ca n't do this alone anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (LA).
Issue: Taking out the loan or lease

Complaint: My XXXX i-35 infinite vehicle was wrecked back in XXXX XXXX. The owner that hit my vehicle his insurance company paid off my vehicle in XXXX XXXX. It was total paid off to the " Go Financial '' company. My name should have been submitted so that my credit score could improve. XXXX XXXX ***********

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Payday loan) with FIRST NATIONAL BANK OF PENNSYLVANIA (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Repeated calls from company with threats of legal action prior to me sending the check to bring the account current. The day after the check to bring the account current. A representative arrived at my apartment and proceeded to argue about the debt in the hallway within earshot of my neighbor who should n't have heard information regarding my debt. After XXXX was notified the check was mailed and to leave, she threatened to return with police officers.

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 08/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sir/Ma'am, - XXXX 2014 we entered into the modification process with XXXX Mortgage and we were suddenly stop mid process and instructed to start the process fresh again with Ocwen. Over the years with XXXX we encountered endless loops of miscommunication and misinformation. This was very welcomed hopeful news to start a process with Ocwen but a personal setback to continue in this agony for my family. We were very hopeful concerning Ocwen and hope that this is was the answer to our hope and prayers to help keep us in the home we love with my wonderful family in need of financial relief. We endured 6 months of endless paper requests fulfilling every wish and need of Ocwen Loan Servicing XXXX # XXXX. 
- a few years back an unfortunate embarrassing event brought on by the demise of the housing investment market subsequently found ourselves in bankruptcy and we were struggling to remain strong as a family but we compiled our dignity back and have moved forward. As a result our marriage suffered but we struggled to rebuild our lives. I am a XXXX veteran. I have proudly put our children and family first and I have stayed employed at multiple XXXX jobs to allow our children to remain in our home we love. 
We were declined after an exhausting process due to having been through bankruptcy a few years back. Which we had respectfully pulled our family through and now face the next step which is our primary home we have been living in. This was a fact Ocwen new entering into the process and continued the process for 6 agonizing months to dismiss us suddenly based on us having been through bankruptcy. A plan that has been in place and following for over 3 years. They were well aware of this and we have the financial means now to continue with a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Fraud or scam

Complaint: Paypal tried to collect a fraudulent charge from my XXXX XXXX credit card. XXXX XXXX requested documentation from Paypal to backup their claim and the requested my response and documentation from me. XXXX XXXX rejected their claim. After that Paypal changed the transaction ID and place back the charge on my account and they insist on collecting the same amount. I already sent them XXXX electronic messages using the Paypal contact us form to no avail. Paypal contact form states that they will respond in 24 hours. 
I just received an email demanding payment on the fraudulent amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX, XXXX, I contacted XXXX XXXX concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- JH Portfolio. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. 

XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I asked for a income based forgiveness plan n they stuck me with a $ XXXX monthly payment and because I ca n't pay at this moment it hit my credit negatively. It was not honored at all.

Company response to consumer: Closed with explanation