milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in review for a modification again with Wells Fargo Home Mortgage. I have submitted XXXX prior applications and have been wrongfully denied for reasons that are false and fraudulent. I have been induced to default, relying on the instructions of the bank to assist me in refinancing or modifying my high int rate mortgage. I have an open case with the XXXX Bureau of Consumer Affairs, and Keep Your Home CA, while applying yet again to WF for review after THEY contacted me to reapply all the while they are DUAL TRACKING for foreclosure as I was just notified by a collections agent XXXX XXXX and XXXX XXXX XXXX as to foreclosure proceedings. Wells Fargo tells me that XXXX XXXX XXXX is the " private investor '' on my mortgage, but that is not legitimate as to a bank being a private investor. Wells Fargo and XXXX XXXX XXXX are in violation of the Fair Debt Practices act as well as they have not submitted verification of the debt or the right to collect the debt, but all they while intentionally inflicting financial and emotional harm to me, my profession and my property as I have equity and they refuse to work with me. I also cured the prior default with my retirement funds as Wells Fargo said that in doing so I would be able to refinance or modify, however upon doing so they told me again that that was n't possible or qualifiable as I had " defaulted '' ( based on their instructions in order to qualify for assistance ). Now I am being dual tracked even tho I have open case files with the XXXX entities listed above. I have NPV reports on past applications as to being wrongfully denied for HAMP, and a timeline going back to 2009 with all the representatives I 've dealt with both thru Wells Fargo, my congressional rep, XXXX, the XXXX, and many more.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Naviant is harassing me with their calls every single day any time of the day and night they are really full of it. I submitted papers to them for my loan that is being reviewed and processed and I have repeatedly told them what I have done but they still call and threaten me about the loan, now I understand the bill is mine but am not able to pay it but I have reason for it, they also harass my cosigner and she has told them that the papers have been sent can you please please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Rent Recover, LLC has attempted to collect a debt that has not been validated and is not mine. Rent Recover, LLC calls multiple times harassing and threatening me for a debt collection that is not mine. I would like this debt removed from ALL XXXX credit bureaus : XXXX, XXXX, and XXXX. This debt that I do not owe is affecting my ability to buy a home.

Company response to consumer: Untimely response
Consumer complaint received 07-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2015 I received a " Final Request '' letter from Nationstar Mortgage. The later states " We have received your inquiry for the Making Home Affordable Modification Program. Please find enclosed the following documents that must be completed in full and returned to Nationstar Mortgage in order for us to begin the evaluation process. Please Note that during the evaluation period your home will not be referred to foreclosure ... ... .. '' The letter said that Nationstar needed to receive the documents by XXXX/XXXX/2015. I completed the documents and emailed them to the email address that Nationstar provided in the letter and also emailed them to XXXX XXXX, who is my Dedicated Loan Specialist on XXXX/XXXX/2015. I know that the documents received because because on XXXX/XXXX/2015 I got an email from XXXX that stated " YOU SENT THE WRONG LOAN # ... THIS IS YOUR LOAN # XXXX. I HAVE SENT DOCS TO BE UPLOADED SO THEY CAN BE REVIEWED BY OUR PROCESSING TEAM. FOLLOW UP IN XXXX DAYS. '' In error I put XXXX on the paperwork. I was also contacted on XXXX/XXXX/2015 by Nationstar regarding more documents that they needed, which I sent. On XXXX/XXXX/2015 I received an email from XXXX that stated '' Dear XXXX, Nationstar needs to receive additional documents to continue reviewing your account for a modification. Your modification request is currently on hold and faces the possibility of rejection until Nationstar receives the additional required documents. Please return these documents as soon as possible. 
Please email your missing documents to your Dedicated Loan Specialist, XXXX XXXX at XXXX, or call XXXX if you have any questions. 
I sent all requested documents to XXXX on XXXX/XXXX/2015. Currently I am not aware of any further documentation they need. However, today I received a letter dated XXXX/XXXX/2015 stating " Your Mortgage has been referred for foreclosure. " Why Has my Mortgage been referred to foreclosure when the letter on XXXX/XXXX/2015 said that if I sent the documents by XXXX/XXXX/2015, which I did, the Mortgage would not be referred to foreclosure? 
I have not received anything stating the modification has been denied nor have I been notified that they need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I signed for an apartment complex for my brother. There were issues with the apartment from the start. After the first week we received a {$750.00} light bill from the previous tenants. If was very hard to get in touch with corporate b/c the rental agents refused to give me their info. My brother had a home invasion a few weeks later, while he was in the shower. I was finally able to get in touch with corporate after some online research. I had a meeting with the property manager who agreed that he could break the lease and move out without any consequences b/c of the previous situations we had. The complex is now XXXX so i can not talk to anyone in regards to this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Midland claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Account opening, closing, or management

Complaint: I am going through a very messy divorce. I was divorced from my ex husband XXXX XXXX, 2015. I opened a bank account at Regions bank for {$2000.00} after this date. My first debit was an internal transaction for {$10.00} to pay for my check order on XX/XX/2015.This was just a few days after opening the account. The balance then was {$1900.00} When filing the descriptive list, my ex husband listed my bank account with the date of XX/XX/2015 and balance as {$1900.00} as his documented information on a sworn descriptive list. He is a banker who has a lot of friends who would give him this information. I believe someone pulled my information to give him. He was never given any authorization to access this account in any way.

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 12-05-2017 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 sent a dispute letter to experian requesting that they remove inaccurate information from my report and within 30 days they would have to furnish proof that the info was mine or delete it. They sent me a letter stating they were not going to investigate those items. The 30 days have expired and I want them removed from my file XXXX XXXX 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 02/23/2016 about Consumer Loan (Vehicle lease) with YKS Acceptance, Inc. (CO).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, 2014 I went to Herbies Auto Sales to look around but because none of their cars have prices on them, I went in to talk to a salesman. I told them I was a first-time buyer and did n't have much for down payment besides my vehicle trade in, which I got {$250.00} credit, toward a XXXX XXXX XXXX. I was n't told the price until I took a test drive and looked the vehicle over. Once that was done I sat at the dealers desk for a couple hours while he " consulted '' with his supervisor. I asked for a car fax and after some time I was told that the computers are slow but it was looking good. Still unsure, the head salesman came to talk to me and assured me I was getting a good vehicle and he would n't have that vehicle for much longer if I chose to sleep on it. Once I agreed it was all fast they had XXXX different people talk to me, the first was about the warranty, second for the GPS, Low-Jack, In-house insurance, and the consequences of missing a payment. I 'm pretty sure they were getting close to closing, because everyone was in a hurry to get everything signed. So, now I 'm sitting on a 4yr lease with the option to buy It after, for {$1300.00}. In total I would pay a little under {$18000.00} for the lease. I paid {$100.00} for the GPS. The truck has shut off on me twice, with loss of fuel, power steering, and eletrics. After 25-30 minutes the truck turns on with no issue and continued. The second time I had it towed to Herbies, by Herbies and was charged for the tow and told that the warrenty company would reimburse me. Not ony did I file the vehicle issue with the warrenty company but I was n't reimbursed. I was told that the Herbies mechanics looked over the truck and found nothing wrong with it but I could leave it with them so they could try and recreate the issue, but the miles put on the truck would also count against my warrenty miles. I 'm trying to come to a resolution where I do n't get charged 300 % XXXX value.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been in " limbo '' now for 4 months with Fed Loan Servicing over the renewal of my IDR Plan ( PAYE ). I have been in the PAYE plan for roughly four years prior to this and while I did miss my re-certification date I did end up ( after XXXX applications ) finally getting one through that was in good standing to Fed Loan Servicing. I sent my online request for renewal for ( PAYE ) with an attached IRS document provided from the online service. 

I called in after receiving a letter stating I was approved for my IBR Plan confused as to why it was not PAYE. I was told by a servicing representative and a supervisor that I was indeed on PAYE for the past 4 years and they were not sure why it was placed into IBR. At one point they said the account was notated as the borrower having requested IBR that was proven false when my online application was pulled and I did indeed indicate that I wanted to " RENEW MY PREVIOUS PLAN '' - PAYE. 

I was told during the call above that the account would be looked into and my issue would be resolved. For reference my re cert date was XXXX of XXXX and it is now XXXX of XXXX. I informed the agent that I could not afford the $ XXXX+ payment monthly and that the reduced payment under PAYE was what I was able to afford and had been paying up until XXXX of XXXX. 

About three weeks later I had received no word back from Fed Loan Servicing and I had gotten a letter stating I was now ineligible for PAYE based on underlying loans in my consolidation and that is why they placed me on IBR. They then told me to go to REPAYE for a reduced payment but under REPAYE I will now have to wait an additional 5 years for loan forgiveness. I can not afford my IBR payment and feel penalized and miss informed. I was able to make my payments under PAYE for the last four years successfully and had minimal issues. Now due to miss information and bad handling of my account I am being penalized and forced to use Forbearance after Forbearance ( dating back to XXXX and capitalizing over {$7000.00} of interest ) to cover my payments while I wait for a decision to be made. 

I am not only submitting this complaint here I am also drafting a formal version to submit to PA Lawmakers and the Governor XXXX XXXX. At every stage of this process I have felt under informed and at a disadvantage from the time I was told to consolidate to qualify for the IDR programs to the moment I was told I am not longer to PAYE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX Wells Fargo closes both of my Checking and Savings account that held over {$2000.00} due to suspected fraudulent activity and did not notify me the reasons only until I called their fraud department. The issue was somebody who agreed to send me {$1500.00} for bitcoin had reported on XX/XX/XXXX that I somehow committed fraud when I had indeed sent {$1500.00} in bitcoin days after. I sent the conversation by fax to their department and have been in attempts to contact the person in dealing. Wells Fargo has told me it will hold the funds and account closed for at least two weeks until the resolution is investigated and resolved. Meanwhile I can not pay rent today, phone bill, buy food to eat, etc. even though I have not been proven guilty nor innocent. I have been with Wells Fargo for almost ten years and have never committed fraud so I dont believe this is warranted. I believe they should at least release rest of my money and hold the {$1500.00} which is being disputed until resolved.

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 monetary relief
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: At the beginning of XX/XX/2018, I disputed a collection of {$430.00} that was initiated by XXXX. After going through the appropriate steps, I received an official notification from XXXX and XXXX  the reported collection by XXXX was resolved and deleted from my credit report. I subsequently purchased a new credit report and confirmed said resolution. 

This morning, using credit monitoring service XXXX, this disputed and resolved collection is again appearing on my credit report ( XXXX  ). This time, the agency listed is XXXX XXXX XXXX XXXX. However, this time XXXX XXXX is reporting the previously resolved collection with a total of {$430.00} ( {$1.00} dollar difference ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a XXXX XXXX XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX .... XXXX/XXXX/XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My wages started getting garnished from Asset Acceptance for a debt that is past the Statue of Limitation to be garnished. I was not served any court notices or anything. This is illegal and they amount they are stating I owe is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (RI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX ( XXXX ) called me on my cell phone asking for my wife, although with a slightly wrong version of her name. They would not tell me why until I provided last four of my wife 's social and gave them information about me and her. They said they were debt collectors representing XXXX, but neither myself or my wife does business with XXXX. I refused to give them any new information and hung up. 

I am not sure if they were phishing or otherwise just trying to gain access to us or our information, but it was an unsolicited call on a number on the do not call registry.

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 Mortgage (Conventional adjustable mortgage (ARM)) with TD BANK US HOLDING COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: in XX/XX/XXXX i reached out to td bank, because they were offering a 3 perecent interest on a seven year arm. The mortgage approval was a horror, they needed me to pay a fine from a previous owner with XXXX. I paid {$1500.00}, and then later found out it was not my responsibility. The mortgage was processed in south carolina, and at every turn i had to explain that the workup was not adding correctly. eventually i got the mortgage done. Then to my amazement, they tell me i can not manage my mortgage online the way most mortgages are managed. The only way to make principle only payments is to walk into a branch office. Each time i have to fill out a withdrawal slip and sign it? well on XX/XX/XXXX- i pulled XXXX from my checking to make a principle only payment. to my disbelief, they posted the XXXX as a suspense entry-it shows up in the history, and does not reduce my mortgage balance. I mean i have called and emailed them, they just do not respond. they made a mistake anerror, and six business days later they have not fixed their error. i have never wanted to pay a mortgage off so badly. Imagine if i did n't check my account regularly, they are technically stealing my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Customer service / Customer relations

Complaint: I paid my account balance off in mid XXXX per the statement. On XXXX I received a bill for {$6.00}. I called Citi and spoke to a rep who stated it was residual interest. I asked for it to be waived considering a made a substantial payment of over $ XXXX, had been a customer for over 4 years and was in good standing. The rep passed me to an Account Manager where I was told it 's a valid charge and there is nothing she can do about it. I said this happened once before on a different Citi card and the residual interest was waived. The XXXX stated it should n't have been waived and I have to pay it. I asked if they were willing to lose a customer over {$6.00} and was told sorry if that 's your decision but it 's a valid charge. I expressed my dissatisfaction and could n't believe how I was being treated and closed my account. I paid the {$6.00} and will never open or use Citi in any capacity moving forward.

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 01-04-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: Simple Bank itself is a great idea, the execution and customer service however is far from it. Not only am I unable to use my funds in any sense ( purchase something with my card, ATM withdrawal, transfer funds, etc. ) but they closed my account without any consent or communication to me. Now the only form of contact I have is over the phone and every time I call they hang up on me saying that 'I do n't have support ' and then the call ends. 

It has been months and I still have not received any of my funds. This bank should not only be shut down, but sued. 

Never been more dissatisfied in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Taking out the loan or lease

Complaint: Ally 's auto loan settlementAlly 's markup policy resulted in XXXX, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated non-XXXX borrowers. 

Ally charged late fees when they agree to put payments at the end of the term without late fees, they have charged a total of {$760.00} after I made last payment online and Ally took the XXXX XXXX payment option off their pay web site in XX/XX/XXXX and could not make anymore payments. Ally charge late fees on XXXX XX/XX/XXXX XXXX of {$1600.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation