milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I spoke to my rep today XXXX XXXX and there seems to be a lot of mix ups happerning concerning my account. 

1. The liens are still on my account they were not removed. There were XXXX or XXXX totaling XXXX and a XXXX judgement all for illegal liens for back maintence that at the time I was not behind. the modification was completed after these liens were still there and not subordinating nor any inquiries made by Title or Wells Fargo. 
Modifications were not permitted with liens, still unsure how this all happened ad XXXX still stating the liens were not there per there title company. 
2. Wells put a claim into the title company for these errors - a claim for the liens 3. Ask for deed in lieu papers and short sale papers - nothing received to date 4. Asked why if I 'm behind I have not been offered any form of assistance modification wise. XXXX offers a principle reduction. The loss mitigation department says I 'm not entitle to one, XXXX mac says different. How do you determine without processing an application 5. asked if Wells offers any assistance to stop a forclosure from the association XXXX lien. 

This is a recap of the items discussed. 
The explanation that the title issued was settled months ago is untrue. Noone has held the title company liable for the errors made.

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 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Valentine and Kebartas, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company, valentine and kebartas llc, calls me up to 10 times daily from several local and out of state phone numbers, some of them being, XXXX and XXXX. They will never give me any information and demand my name, phone number and other indentifying information. I have called them after hours and discovered they are alledging to be a collection agency for XXXX XXXX. I did cancel an account with XXXX recently and am working through paying the balance as my new provider is paying my fees. XXXX is aware and claims they never sent my information to an outside agency. These people harass me all day and have been told, verbally and in writing, to cease doing so. They refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Account opening, closing, or management

Complaint: After conducting some regular business transactions ( wires, check deposits ) TCF National Bank closed my accounts and reported me to XXXX. TCF has not provided any detailed information as to why they reported me to XXXX other than I was supposedly involved in Suspected Fraud Activity. I am now unable to open checking accounts with any Bank. This issue is causing severe challenges with me being able to pay my regular bills and having a basic checking or savings account. I have not been involved in any fraud whatsoever and want my name cleared of any wrongdoing. I have disputed this information with the TCF Bank and with XXXX several times and have not been able to have my information cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Due to my place of employment changing to over XXXX miles away from my primary residence, I was forced to move and pursue a short sale of my property. I have been dealing with wells fargo ( my mortgage servicer ) for a year and a half and have gotten little to no assistance from the myriad of home preservation specialists assigned to me. My file has not been kept up with in a satisfactory way, has been handed off multiple times to specialists who do not engage in adequate communication with my short sale attorney, and dropped in and out of foreclosure status when it should not be. It is currently in a foreclosure status with a sale date, when I 've had a short sale contract in place for over a month plus all requested documentation being forwarded to them with receipt of reception. Today in particular when calling to speak to the specialist assigned to my account, I never had the opportunity to speak with her directly, but was forwarded to 4 different departments and spoke with 5 different people. It was not until I demanded to speak with a supervisor that I was able to at least be told that an email would be sent on my behalf to MY specialist assigned to MY account. This is ludicrous! How can I work with a specialist that can not be reached and that I 'm not allowed to contact? This complaint is for the home preservation department and their inadequacy to communicate with the parties involved to reach a resolution that is both timely and of mutual benefit to all parties.

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 10-05-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our owner occupied home was foreclosed on in 2011. We moved out in XXXX 2011. The foreclosed amount was {$730000.00}. Wells Fargo sold it for {$920000.00} within two ( 2 ) months. There was equity of over {$180000.00}. We have been asking for return of our equity and they have refused to pay us. We need help/guidance to get money refunded. We had done substantial amount of work to improve the property. We are entitled to our money. 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 explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (CT).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I had XXXX traffic tickets when I happened to live into XXXX prior to moving to XXXX and I agreed to pay on a monthly basis payment. As a matter of fact, for some reason I have failed to pay a few months once I moved to XXXX; therefore, according to the XXXX Clerk office and Peen Credit I have been charged of some interest for skipping those unpaid months which made my payment debts piled up to $XXXX which was paid off by check in full through my Bank that is XXXX. Today the Penn Credit that is the debt collector office hired by the XXXX Clerk office denied completely this payment made by my Bank which the entity's representative had provided authentic documents to the Penn Credit Supervisor known under the name of XXXX as a result of conversation over the phone on XX/XX/XXXX at XXXX which was a conference call that involved myself XXXX, the XXXX representative and XXXX the Penn Credit's Supervisor. I'd enclose some relevant documents such as proof of payment, acknowledgement letter of the related debt and ID # of the Penn Credit profile account.


Subject: Acknowledgement of debt


XX/XX/2015

Room: XXXX

CaseXXXX

XXXX
XXXX

Subject - Traffic Ticket Receipts

Dear Clerk Representative,
Per a late conversation with one of your Clerk Office Representatives who stated based upon the XXXX Clerk records revealed that I have XXXX unpaid fines according to my court records. As a matter of fact, I totally acknowledge that I was cited for XXXX. However, I have to claim the paid traffic ticket which was made in the amount of $XXXX by myself to the XXXX Clerk Comptroller Office located to the address above. In addition, I have enclosed the receipts that I have had from the related bank for the XXXX traffic ticket which was evaluated in the amount of XXXX which was agreed under the defendant's consent to make a monthly payment of $XXXX. 
I would love to be reached by the Clerk Office in order to pay off any due payments and having some clarification regarding the XXXX fine that was paid.    
 
Sincerely,

XXXX
P	 XXXX
E-mail. : XXXX


(Penn Credit) ID number: 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 12/14/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NC).
Issue: Managing the loan or lease

Complaint: I contracted with XXXX XXXX for {$1000.00} financing for a tile floor. The company took two days to lay the floor, and did not complete the contracted work, as well as damaging my walls. I complained to Synchrony Bank, who said that I can only make a complaint and stop payment to XXXX after I give them a chance to complete the job. After the job was partially completed and XXXX left, I complained to Syncrony Bank, who then told me that the company said that they completed the job and are paid. Syncrony Bank said that there is no way for them to receive my evidence of the noncompletion and the damages because XXXX is the customer and not me. They advised that I have to allow them to charge off the account if I do not intend to pay what they paid XXXX. I had to take a hit to my credit because of the collaboration between two dishonest companies, and am left with the cost of damages to my home. I made several complaints to XXXX, and they repeatedly postponed responses and coming to see the damage. I received no communications or bills from Synchrony Bank until I received a subpoena, and the lawyer presented my case as a nonpayment of a revolving credit card, and not the financing by XXXX. I have no revolving credit card from Syncrony Bank. Now, Synchrony Bank has subpoenaed me and wants to claim property.

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 06/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with WELLS FARGO & COMPANY (FL).
Issue: Loan payment wasn't credited to your account

Complaint: I signed into the XXXX app to get my payday advancement and an notice popped up saying they ca n't view if I got paid because Wells Fargo blocked them from seeing I got paid. Maybe it 's because it 's the weekend. Not sure.

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 06-11-2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (GA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a phone call at XXXX XXXX ET on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of Asset Recovery A ssociates, Inc. ( ARA, Inc., phone XXXX ). The call alleged that I was named in a judgment hearing by XXXX XXXX, for a debt that was almost XXXX years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost XXXX-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Checking account) with M&T BANK CORPORATION (DE).
Issue: Deposits and withdrawals

Complaint: I opened a checking account with M & T bank. I am now being charged an overdraft for not using the account for a while. I wonder if the overdraft protection law covers 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 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have numerous times filed a complaint with TransUnion to update my BALANCE on XXXX CREDIT CARD, which was settled months ago and XXXX provided me letters showing that it should be {$0.00} balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2015 about Debt collection (Payday loan) with Critical Resolution Mediation LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been contacted by multiple XXXX party collection agencies stating I have outstanding XXXX 's which were bought by their company.They refuse to give me any information or validTation of debt.The collector stated I was sent a letter and that is my validation. 
He demanded I pay him @ that moment.The original creditor was XXXX XXXX XXXX from XXXX/XXXX/12. The collection agency is XXXXCritical Resolution Mediation. I stated I would check with bankand get back to him.The company called me 3 hrs later he wasgiving me until XXXX that night and he was going to call my bank and drain my checking and savings. He kept reminding mewe were on a recorded line. I advised him to move ahead. The collector preceeded to tell me I should not be taking out loans, Iam not going to pay back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 07/19/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (IL).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle from XXXX in XXXX 2016 and I had a deferred down payment for {$800.00} and then I started making payments biweekly from day one. I noticed that my principal balance did n't change after the initial XXXX payments, I called XXXX and was told ( after talking to a few different individuals and different stories ) that the first XXXX payments were interest only payments and when I ask was this is writing, the lady told me, " it should be ''. I reviewed my loan paperwork and I did n't see anything even close to this notated in the contract. So at this point, I would like to see what I can do to resolve this issue or go after XXXX for False advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: wELLS FARGO DENIED NY MODIFICATION STATING I DID NOT BRING IN ENOUGH INCOMEAND REFUSED TO TELL ME SPECIFICALLY /I HAD A DECREASE IN EXPENSES OF ALMOST XXXX DOLLARS PER MONTH .mY RENATAL INCOME ALONE XXXX PER MONTH WOULD COVER NEARLY ALL OF A HYPOTHETICAL NOTE WITH ALL ARREARAGES INCLUDED AT MARKET RATE .tHIS IS WROG I MAKE ENOUGH INCOME TO SUPPORT A MODIFICATION /I ALSO MAKE INCOME FROM A JOB .I BELIEVE THAT THIS WAS NOT DONE CORRECTLY .I HAVE RENTS OF XXXX PER MONTH AND AND AVERAGE MONTHLY SALARY OF BETWEEN XXXX AND XXXX PER MONTH.THIS IS UNFAIR AND HAS FORECED ME TO HIRE AND ATTORNEY TO BRING SUIT FOR A MODIFICATION AND FORCE ME IN TO A BANKRUPTCY SCENERIO.I WANT TO KNOW SPECIFICALLY WHERE AND HOW I DO NOT QUALIFY .HELP THEY ARE GOING TO FORECLOSE AND THERE IS NO WHERE ELSE TO GO.

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 09-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi, I filled out my information for an application for XXXX XXXX and then canceled without submitting the application. I then got noticed that my Experian credit was pulled on XX/XX/XXXX and then again on XX/XX/XXXX. Please remove these two inquires being reported on Experian.

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 10/20/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Other fee

Complaint: I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX charges in the amount of {$35.00} dollarsI am writing you to lodge a formal complaint about fees that were recently charged to my account. on XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Trouble during payment process

Complaint: Ocwen Loan Svc took over my mortgageXX/XX/XXXXXXXX  Constant missing info on statements, late on paying my homeowners Ins to point I have to monitor it gets paid. They will send letters saying they have to buy supplemental Ins because not covered appropriately when insurance covers 125 % replacement. Every year. BUT MY REAL ISSUE IS XXXX DROPPED MY CREDIT REPORTING FROM LOAN ORIG IN XXXX and OCWEN REFUSES TO REPORT MY STATUS, LENGTH OF EST LOAN BALANCE, PERFECT PAYMENT HISTORY etc. Since they do not comply with reporting, It appears I only have 2.5 years of credit and I 've owned multi mortgages & middle aged. Currently Ocwen has demanded I PROVE THEY ARENT REPORTING. I did, I sent copies of yearly reports, faxed, mailed, called Research Department as instructed and told they are reporting. Gone on over 2 years. Please help me. At the end of my loan modification, my " Relationship MGR '' XXXX, promised me she would handle lack of reporting. I followed up with Research Dept requirements in addition because of poor history of honest response or actions promised. NOTHING. They pay my mortgage Ins late & my premiums go up, they do n't report perfect payment history which I have proof of all payments sent return receipt, signature required.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: I had a flood in my house on XXXX XXXX, XXXX The insurance company sent me the check for the repairs in the amount of XXXX after my deductible on XXXX/XXXX/XXXX ( they were behind sending the check because the large demand with the fires in XXXX XXXX The insurance company sent the check to my name and the mortgage company, I called the mortgage company to arrange the endorsement of the check, they said I had to mail it, I said I wanted to take it personally even if I had to fly to XXXX to take it because I had no floors, no kitchen, no bathroom at my house and I needed to get my house back together right away. They said the only way to do it is to overnight the check and then they will send me a check, I overnight the check, I uploaded all the information they requested, then they said that my account showed to be delinquent and they could n't release my insurance check to me. I told them the account was not delinquent, they confirmed with the mortgage department that my account was current. but they still insist in keeping my money illegally, They do n't even pay me interest on my money. I am not able to put my house back together and we are not able to live at the house without the kitchen, bathroom, flooring and walls missing. this is causing an extreme hardship, we have no place to live!

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 08/18/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband died in XXXX 2013 and I have been trying since XXXX 2013 to get a loan modification. I am a senior citizen and have provided SPS with the requested documents so many times I have lost count. I have never been able to talk to XXXX XXXX the relationship person assigned to me. Every time I call with is once a week he is never available, thus, each time I speak to a different person and get a different explanation as to why my loan modification has not been completed. XXXX reason given I is that my picture on the license I faxed in is too dark, which I find very offensive and do n't know how to fix. Another reason I have been given is that they could not find my son 's name on the check stubs faxed in. Which again I do n't understand because the previous person said they see the name. Every time I call which is once per week, I talk to another person and get another reason. It has been almost two ( 2 ) years and still no loan modification. I am falling deeper and deeper into debt and fear losing my home which is putting me under a lot of stress. I want the mortgage company to modify my loan. I want a fixed rate with a reasonable monthly payment and I do n't want my principle balance doubling because delinquent interest has been capitalized into my XXXX. I want to be able to talk to the same person every time I call who understands my file and my situation and who is committed to helping me. I want to stop getting the run-around from the loan servicer SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation