milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: In XXXX of 2003, at the age of XXXX years old, I was listed as co-borrower on a classmate 's student loan application. I was told I was needed as just a reference by the classmate, so I agreed to that. Navient ( XXXX XXXX ) never spoke to me in the underwriting process, nor did they conduct satisfactory due diligence in approving such a loan. As a classmate with my own loans from them, it makes zero sense that I commit to paying for another student 's education. After bringing the situation to Navient 's attention, they refuse to remove me from this loan as co borrower DESPITE the loan being in good standing. To lend to two unrelated students for one of the parties education, while both are students is EXTREMELY PREDATORY AND UNETHICAL. I was not competent in understanding the process and I was grossly taken advantage of. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (ID).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I are in the process of divorcing. Our children and I remain in the home that he and I have a mortgage on through Nationstar Mortgage. Due to the debt to value ratio being severely upside down my husband 's lawyer advised him to file bankruptcy on the home. He refused to speak with the mortgage company. They called me and I informed them of our current situation. I asked them if there were any options available for me to be able to take over the payments and full ownership of the home. They provided me with a few options and informed me that because my husband had stopped paying the mortgage for the past 2 months that if I wanted to have any chance of saving the home I had to make up those payments as well as make the current payments. I let them know that as a stay at home mom who was just starting back into the work force I was n't positive that I would be able to do that. The representative told me it was the only way and that I would have to make XXXX {$750.00} payments for the next two months or the phone calls would n't stop. I told him I was n't comfortable making the commitment at that time on the phone but would think about it and get back to him. He continued to pressure me into setting up the payments before I got off the phone. I refused XXXX more times and his pressure continued and so to get off the phone with him I agreed with the intent to call back and cancel the payments. I called back before the first payment was due at the end of XXXX and said I could not afford the payments and asked for them to be cancelled. The XXXX payment was not processed. To my surprise on XXXX XXXX a payment for {$780.00} was processed in my checking account. I immediately called the mortgage company and informed them that the payment should not be occurring and that they needed to stop it because I had requested it to be cancelled and I did n't have the funds in my account. They said they could n't because it had already processed. I called the branch of my XXXX account and asked them to stop it and they said they could n't either. I 've spent a great deal of my time on the phone with the mortgage company requesting that the payment be returned. XXXX representative promised that it would be, another told me it would n't because I was behind on the payments and another disconnected my call when I asked to speak with their supervisor. The original agreed amount was to be for XXXX {$750.00} payments, XXXX the end of XXXX and the XXXX the end of XXXX. The payment the end of XXXX exceeded the agreed amount by {$30.00}. I am displeased with the dishonesty and manner in which this has been handled and I would simply like the money returned to me. The money that has been used to cover the payment now is the child support payments that are made and the account is still overdrawn by {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Received a loan I didn't apply for

Complaint: I received a letter in the mail from a debt collector stating I owed for a loan that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Discover Student Loans sent me a letter saying that because I had paid a certain number of payments on time and in full I qualified to have my co-signer removed. My co-signer was my mom who is going to retire in a couple years, I pay all my student loans by myself so I figured not having her attached my loans will help her after retirement. The letter stated that having my co-signer removed would not affect my interest rate. My interest rates are incredibly high, I have great credit and it just plain unfair what Discover is charging me. Since I have removed my co-signer I have had my interest rate climb every month. Again I have great credit, pay all my loans on time, and pay more than the minimum payment. Discover states that because they just hold my loan ( they bought it from another company ) they can do nothing about refinancing it, in my mind then they should not be able to raise my interest. I honestly have no idea what to do or if this is legal or not. I pay almost {$1200.00} a month in student loans ( not just to Discover ) and no one is helping me because I pay on time. I kill myself working to jobs to pay all my loans on time and I am punished because I 've never missed a payment. I honestly do not know where to turn but what Discover does does n't feel right and I would like someone with more knowledge to look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (NJ).
Issue: Managing the loan or lease

Complaint: HI I TRADED IN A VECHILE 2 YEARS AGO TO XXXX XXXX IN XXXX NEW JERSEY. COMPANY NEVER PAID THE LOAN OFF ON THE VECHILE. IVE BEEN PAYING IT FOR A YEAR AND HALF AND UNABLE TO PAY ANYMORE. THE DEALERSHIP SOLD THE CAR TO ANOTHER PERSON AND REMOVED THE LEIN OFF THE TITLE AND MYSELF AS TITLE OWNER. I FILED A POLICE REPORT WITH THE POLICE DEPARTMENT IN NEW JERSEY. THE VECHILE WAS NEW YORK STATE TITLED WHEN I WAS LIVING IN NEW YORK. THE BANK HAD NOTIFICATION FROM THE DEALERSHIP THAT THE VECHILE WAS TRADED IN, I EVEN HAD PAPERWORK OF THE TRADE IN WHEN IT TOOK PLACE. THE DEALER I BROUGHT THE CAR FROM WAS LOCATED XXXX XXXX XXXX, SALE PERSON XXXX XXXX WHO IS UNDER INVESTIGATION FOR A XXXX DOLLARS IN LOAN FRAUD. ITS NOBODY TO CONTACT BECAUSE I WASNT THE FIRST VICTIM. I HAVE NOTHING DELINQUENT ON MY CREDIT REPORT AND LOOKING FOR A RESOLUTION. THE BANK BMW FINANCIAL SENT ME A POWER OF ATTORNEY TO GET THE TITLE BACK IN MY NAME. I ALSO ASK THEM TO HELP ME PUT OUT A REPOSSESSION ON THE CAR TO GET THE CAR BACK. THEY SAID THERE IS NOTHING THEY CAN DO. I NEED HELP BECAUSE I HAVE KIDS AND CANT GET MY CREDIT RUINED.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed the information with the company more than once. They pass it off to the original company and let the original company do their own " investigation '' they always come back with everything is right. They could not prove the debt in court and lost the case and I have the court papers for no judgement plus in my credit report that I have desputed I stated that the supposed original company closed the account on XX/XX/2013 and that XXXX was opened in XX/XX/2013. That is fraudulent reporting! I have said this to equifax and XXXX. For them to not investigate and pass it off and not take it off my report and just keep allowing the company to keep reporting this false information is illegal. I have also reported this to the attorney general. This is not right, for a junk debt collector to be allowed to do such a thing and what is worse that equifax and XXXX allow it. The credit reporting companies do n't attempt to investigate what is reported to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had XXXX XXXX Credit Card, which i was disputed as unauthorized charges due to ID theft. XXXX XXXX closed my account after investigation and sold to Midland Credit Management in the amount of XXXX, Midland Credit Management is trying to get money from me which i did n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed bankruptcy on XXXX XXXX, and my mortgage loan with Bank XXXX XXXX XXXX XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Well the saga continues after XXXX complaints and XXXX months later my deed in lue is still not completed and now the home owners association is planning on taking me to court because of past arrears that I can not not pay due to the fact that Ocwen has taken so long with completing my deed in blue that they said would take XXXX days. Ocwen continues to lie about their process and push me off. I recently receive foreclosure paperwork from an attorney about the house in question that Ocwen submitted to them. I contacted Ocwen and they told me not to worry about t and they can stop the foreclosure at any time they are just waiting for their attorney to get back to them. So about their attorney, they gave me the name and number to try and get in contact with " THEIR '' attorney who I found out if a family attorney not a mortgage or real estate attorney. After calling them back multiple times and spending time I found out they were never able to contact their attorney for many months and this was the delay. I told them to find another attorney, and they wasted all this time. I had to kick out the renters who are still waiting on their {$3000.00} from Ocwen to move out and Ocwen 's escalation team s horrible to work with everyone puts a priority on the escalation and nothing happens. There must be something to protect consumers from this behavior of the mortgage companies. Where can I go? Do I have to take them to court? I now have less than 30 days before they foreclose on my house that I have been trying to give back to them for over a year and their inability to do the right thing and provide professional services is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
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: JPM Chase  is report account #  XXXX  as being recently late on my credit report. This account has been transferred to another government and currently being paid, so could it get late. The all student loan accounts at CURRENT!     This has impacted m y credit score  and dropped my score  XXXX  points! Please have this removed as the date on this information is incorrect as well. This has been closed and they are changing dates.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX     2017, we paid ou r HELOC balance in full.   Prior to payment we calle d    XXXX   XXXX   to let them know we were paying off the full balance on   XX/X/2017 .    We asked if there would be any problems if we did not mak e a  XX/XX/2017  payment, as full pay-off would be made 72 hours later.    We were assured it was ok and there would be no problems.   But  XXXX  created a major problem for us, by reporting a " lat e '' payment on  XX/XX/2017 , when they assured us they would.    As the full amount of the loan, not just a monthly payment was made 3 days later and  XXXX  knew it was coming, from to notifications ;  one fro m our phone call and the second from the  XXXX   XXXX  notification of pay-off  seven days earlier, it was unfair of    XXXX   XXXX   too harm our credit with a late report.   The  Credit Rating compani es - XXXX  -Equifax and  XXXX  have  wrongly reporte d this as a late payment The harm has been extensive, stopping us from getting a new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (CT).
Issue: Credit decision / Underwriting

Complaint: In XXXX I applied for a loan with XXXX XXXX, this loan closed on XX/XX/XXXX. In XXXX I received notice that the loan had been sold to Citibank, I received XXXX letters as required. Last week a call came into my office, I am the office manager, from Citibank to verify my employment. I have not signed a release for Citibank to make such inquiry, I did not apply for a loan with them they purchased the loan. I advised XXXX XXXX from Citibank that they did not have my permission to make inquires regarding myself and that I would file a complaint with the appropriate departments. I did inform my employer of this and emphatically stated that I did not give permission for my personal information to be released to Citibank. Today XX/XX/XXXX forms arrived at the office asking for information regarding myself. As a rule it would be something I would handle, I did forward a copy of the documents to my employer. I would like to stress that I am not behind in my loan payments they are made on time each month. This is an invasion of my privacy and I feel violated and therefore want to file a formal complaint against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian continues to include inaccurate information on my credit report. In 2017 I filed a complaint regarding the reporting of a tax lien from the XXXX XXXX register of deeds. I asked them to verify the validity of this tax lien. XXXX has complied and removed the erroneous information from my credit report. Experian refuses to do so. I am requesting that the tax lien from the XXXX XXXX register of deeds be removed immediately.

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 09/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: When reviewing my credit report, I found derogatory information entered by Wells Fargo Mortgage. 
My Wells Fargo business checking account is linked to my Wells Fargo Mortgage account. Because the XXXX accounts are linked, I am able to make a mortgage payment directly from my business checking account. 
I also have a Wells Fargo personal checking account and have a monthly mortgage payment auto-draft on the XXXX of each month. 
I elected to pay my XXXX XXXX, XXXX using the business account, which allows me to transfer money to the mortgage. 

Wells Fargo still drafted my personal account and did not recognize the payment had been made via my business account. 
The transaction to my personal account and overdraft fee was reversed by a customer service rep after I called to complain. 

This should have ended the matter, but, it did not. 

I complained, in writing, to the bank from XXXX XXXX through XXXX XXXX, even sending documentation from my business account showing the transfer. There reply was that the transfer was incomplete and the transaction was reveresed. 
If the money was in the bank and they could see it was being transfered, this is not a " non-payment '' matter, this is an electronic banking transaction matter. Secondly, why did they refund the money taken from my checking account, including the overdraft fee, if they did not recognize there was a problem? 

Wells Fargo simply sent " pre '' populated form letters and filled in information unrelated to the problem. The form letters repeatedly focused on a " late payment ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Back in XXXX 2017, Bank of America sent me paperwork stating my loan was eligible for a recalculation or recast. I 'll add attachment to this complaint. I received paperwork, signed paperwork and sent back to BOA. BOA stated they received early XXXX 2017.
On X/X/17 I called BOA to check on changes to my account for the recast because paperwork stated it would be on around XXXX 2017. Representative state she did not know why I have not received paperwork to finalize and she would escalate the matter to have notarized paperwork sent. I never received anything. On XXXX/XXXX/17  asked about recast paperwork and when I would receive. Representative stated request would be made and will be sent me me within 48 hours. Believe I spoke to a person by the name of XXXX, she stated she re-sent request or recast to be sent to me and copied her manager/management. Still received no information from BOA. On XXXX/XXXX/17 I called BOA and representative stated my loan was not eligible for recast! If you see on attachment for eligible credentials, I have all of them!!!!! My loan is current, has been in good standing for years, and all incentive would be applied to my loan.
BOA should not be able to notify you TWICE with recast paperwork ( received attached paperwork twice in the mail from BOA ) and then state I was not eligible.

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 11/28/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted our current loan servicer, Freedom Mortgage by phone in order to recast our loan. I was told to put my request in writing and fax it to them. I did this in XX/XX/2016. Since then I have received letters stating they are looking into my inquiry, but no satisfactory response has been provided. It has been over 90 days now and they continue to '' research '' this issue. I called again to spoke with some one in customer service last week. She actually knew the term re-cast and told me I would have to pay a 20 % downpayment in order to recast. My original loan was with XXXX and I have the terms of the loan stating that I can re-cast at any time with a 10 % downpayment. I have sent this information to Freedom Mortgage as they are to honor the original terms of my loan and not change them just because my loan was sold to them. At this time I feel I need help just trying to recast my loan which should n't be an issue, but it has become one. By the lender 's delay in proving me specific instructions on how to re-cast, I have had to make XXXX payments at the higher amount. I want to make sure my 10 % downpayment is part of the re-cast process, and not merely a payment toward principle. No one has been able to provide instructions, nor do so in a timely manner. I have waited XXXX months now with no help from Freedom Mortgage.

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 01/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX when I entered repayment on my loans with FedLoan Servicing, I filed one application to be placed on income dependent payments. In XXXX I filed my annual recertification, and I was notified that I was approved until XXXX of XXXX. In XXXX of XXXX I was notified that because I had not filed my application for recertification, FedLoan has jumped my payment to the standard repayment amount. The previous and last communication was that I was good until XXXX of XXXX. Now I must to file two identical applications within five months of each other? I do n't understand. Why ca n't FedLoan use the same application? Why was n't I given clear information? Who over-sees FedLoan?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Getting the loan

Complaint: Applied Online and was Pre-approved for a personal loan of XXXX and XXXX secured with a vehicle. Based on a monthly income from all sources of XXXX. After discussing offer over the phone and learning I worked at a XXXX bar they 'forgot ' to include my stock dividends and capital gains income. So I was only approved for XXXX unsecured loan based on XXXX monthly income.. After documenting assets and income with bank statements, brokerage statements, profit and loss statements for self-employment ... They decided I did not qualify for a XXXX loan with proof of XXXX figure monthly income and XXXX of stocks and liquid assets. 
I think this decision not to lend is not based on any logical evaluation of my ability to repay. But rather discrimination against me on the basis of my assumed XXXX orientation XXXX XXXX nightlife entertainer ) or religion XXXX my LinkedIn mentions an XXXX student group I led in college. )

Company response to consumer: Closed with explanation