milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had my mortgage with XXXX XXXX initially and they sold my mortgage. Fay Servicing has been the company that services my loan since it was sold. I have always paid my mortgage on time never missed a payment and kept my insurance current and adequate. I have always had flood insurance as well as homeowner 's insurance. 
The problem started this XXXX, XXXX with a letter from Fay Servicing asking for evidence of Flood insurance which I sent them. My insurance company had sent them a copy when I renewed the policy in XXXX XXXX, but I sent it again like they asked. In XXXX, XXXX they asked for evidence of increased coverage which I sent them. I had {$150000.00} coverage that I had increased to {$160000.00} back in XXXX, XXXX when I renewed the policy which more than covered my mortgage which was {$120000.00} at that time. In XXXX, XXXX I got another letter stating that they took out a {$50000.00} mortgage policy at a cost of {$450.00} which they put in an escrow account. I then called and was told that if I increased my coverage to within {$5000.00} of my homeowner 's policy they would remove the charge. I called my insurance company and for {$3.00} I increase the flood insurance to what it needed to be. Countless calls to Fay Servicing and spoke to about 20 different people who said the charge, which had been reduced to {$130.00} would be removed. It was not. The last supervisor I spoke to, said the charge should and would be removed. I would call every few days because no one ever called me back. The last time I called her she told me that the charge would not be removed because they did everything right. She gave me the name and number of her supervisor and I have called and left about 5-6 messages for him to call me starting last Thursday, and he has not called back. The company also has assigned me about 4 different people to manage my account so there is no consistency in management. 
Just to review, I always pay my mortgage on time, insurance both homeowner 's and flood is paid on time and always kept current no lapse in coverage. I have had flood insurance since I have lived here and it has always been less than the amount of my homeowner 's insurance, but more than my mortgage and what my house is worth, and was never told it had to be the same as the homeowner 's until after they took out the extra insurance, in XXXX XXXX. They had not communicated to me what the insurance needed to be and I had no way of knowing, since I have been consistent in my coverage ever since Fay Servicing took over my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have submitted a dispute with all the XXXX bureau 's Just been informed as I was trying to buy a house that just recently this judgment was on my report. Judgment is from XXXX and I have a judgment that stands on my credit report that was not from me. the evidence given by ascend shows checks signed by me. The check signature on back is not my signature or known facility of business on check. the check is made out of XXXX XXXX XXXX, I do not use my middle name ever!. also documents state that I was sent many letters that I never received or seen a sheriff come to my house and serve any papers. At that time I worked XXXX hours a day. Working an going to school. From the attorney she stated I will be getting recurring interest since I called about the issue XXXX/XXXX/XXXX. She says the total is now XXXX so I am very confused how this judgment has changed so drastically in a matter of months. I need help figuring this out cause XXXX XXXX is not assisting besides pay the debt and I have numerous time said this debt is not mine. Even if it the judgment came off i was told that ascend will not remove it, so i am screwed no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: I applied for a temporary forebearance while on maternity leave under the Family Medical Leave Act. My XXXX leave is unpaid leave during this time. My forebearance was denied due to " lack of income ''. I am not unemployed! I just had a XXXX!!! To date, I am behind on my mortgage payments and sought relief from Wells Fargo. Instead of providing assistance, they are harassing me constantly. I receive incessant phone calls 12-16 hours a day. These phone calls are non-stop, aggressive debt collection calls. The harassment has escalated to Wells Fargo hiring an outside company to leave notes on my front door. The note says to call your mortgage processor. Wells Fargo threatens foreclosure when I am 1-2 payments behind. It was my understanding that foreclosure takes place once the account is 120 days past due. I am tired of the non-stop harassment and bullying from Wells Fargo. 

I also noticed that my account is being charged a non-sufficient fund fee of {$15.00} and a shortage fee of {$9.00}. I do n't know how this is being factored into the amount due to bring the account current. The account has been paid with cash. I do n't know how often my account is being charged these fees.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much XXXX that goes on with in credit and you guys try Remove them as well, all inquiries please XXXX XXXX, XXXX/XXXX, XXXX, XXXX  XXXX, XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Credit line increase/decrease

Complaint: I opened a Best Buy credit card in XX/XX/XXXX and was granted a {$500.00} credit limit. I have had the card since that time and I kept my balance at approximately {$200.00}. XX/XX/XXXX I received a letter from Citibank who happens to service the credit card telling me that my credit limit has been lowered to {$250.00} due to information reported to them by my credit bureau. I was recently laid off from a job that I held in XXXX for 5 years in XX/XX/XXXX which is why there are slow pays on my credit bureau. This practice seems almost predatory in the sense that I had my balance at a responsible dollar amount and Citibank felt it necessary to lower my limit which now makes my utilization seem inflated. I do n't want them to increase my limit but why would they decrease it and make this line of credit hinder my already suffering credit score due to my unfortunate circumstance of being laid off from my job!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Walmart allowed someone to open a credit card in my name with my social security number, a different address than my own. I called to have them cancel the card and remove the inquiry from my credit report. 
It is now on my report as lost/or stolen making me look irresponsible ... 
I want the whole thing removed!!! 

It was opened fraudulently!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Payoff process

Complaint: Sent XXXX bank drafts to Synchrony Bank for payoff of XXXX separate accounts. Each check clearly indicated the last XXXX digits of the account they were to payoff. XXXX checks were properly credited, the third was not. Have made numerous phone calls and faxed copies of the cancelled check to the bank. The cancelled check clearly indicates the check was received and cashed on XX/XX/2016, well within the payment due date of XX/XX/2016. However, it was not credited to my account. In fact, they have added interest and late fees to the account and refuse, despite receiving proof that they cashed the check, to credit my account. Any help you could provide would be appreciated.

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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Hello, I have been trying to cancel my membership with EXPERIAN, my monthly membership of {$24.00}. Starting on XX/XX/2018. 

I sent 10 emails and non of them was answered. 

I called 10 times and the automated attendant never guide me thru a real person. There is no option to cancel the account, but when I manage to transfer the call to a representative, the waiting time is more than 2 hours, the call ends abruptly before an agent took my call. 

Today XXXX XXXX I'm still not able to speak with Experian to cancel my account.

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 09/17/2015 about Consumer Loan (Installment loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Problems when you are unable to pay

Complaint: I had car loan with GM Financial, they have the beginning date as XXXX XXXX, vehicle was not purchased until XXXX XXXX, which was voluntarily turned in XXXX of XXXX due to my financial situation due to a prior job loss. The car was sold at auction in XXXX XXXX. I received a notice from the IRS stating I owed taxes for XXXX on this car because GM Financial had turned in a XXXX for XXXX. I did not own the care in XXXX, there has been no activity on the account from me since XXXX XXXX. I also received a carfax on this vehicle, every year that I registered the car for my tag XXXX where I live, the car was also registered XXXX which indicates the car was suppose to be a lease, not a purchase as I was told by the finance company. The car was sold for XXXX and they turned in {$3600.00} on the XXXX, again in XXXX not XXXX the year I turned the car back in to the company. This was not earned income, I never received any income from GM Financial. According to all the fees, I more than paid the full price of the car and in addition they received an extra {$4000.00} when it was sold at auction. I have tried contacting the company many times and if I 'm lucky enough to speak with someone I only get the run around. BEWARE of this company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: To whom It may concern I feel that the Lender purchased our property at a nonjudicial foreclosure sale, there by violating Civil Code section 2923.6, the prohibition on " dual tracking '' contained in the Homeowners Bill of Rights when they conducted a foreclosure sale of my property while the loan modification application was still pending. If you need any other information needed will be forwarded. 


Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (I do not know) with Northern Alliance Management, LLC (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, 2015 XXXX - Have received more than 8 calls on my cell phone from XXXX. I called the number and asked why they were calling. Individual immediately hung up the phone. Called back four times until finally the same individual decided to speak with me. He identified himself as working for an organization called NAM, and gave their website as website nam-llc.us. I asked for his mailing address, and he told me to go to their website to get it. He then told me that he was calling on behalf of a debt from XXXX regarding a delinquent overdraft and mentioned XXXX. I asked him if this was an attempt to collect a debt and he said yes. I told him that I wanted no further phone calls pursuant to the FDCPA and that all communication with me must take place in writing. Found address on website as XXXX XXXX XXXX, XXXX DE XXXX. 

XXXX XXXX, 2015 XXXX - Mailed cease-and desist to NAM LLC at XXXX XXXX XXXX XXXX XXXX DE XXXX, certified, return receipt requested. 

XXXX XXXX, 2015 - Received cease and desist mailed to NAM LLC returned as 'return to sender vacant unable to forward. '' I checked the nam-llc.us website and found that it still publishes the same address that was returned as vacant.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: the interest rate on this loan is almost 9 %, I borrowed $ XXXX and now i owe $ XXXX. i pay XXXX in payments each year and it doesnt even cover the interest, the loan goes up every single year. 

they talked me into forebearance for so many years that the loan has tripled. this is just not right, this has to be criminal. i will be dead before i pay this back and now i have lost my job so i have to freeze the payments again, i will owe almost 250k by this time next year in interest on a XXXX loan!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Payday loan) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The original XXXX creditor ) says that they do n't have me on any files of owning them a debt.. The collection company wo n't remove it from my credit report and they are harassing me about a debt I dont owe ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with Revenue Recovery Corporation (ND).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have made this Company aware that I 've been a victim of identity theft and also provided a police report to them. This company refuses to persue the person responsible for this Medical bill. I am and have always been insured by XXXX. Additionally any bills I had would 've been sent to XXXX and paid by XXXX. It is also against the law to bill someone who 's insured by XXXX for out of pocket medical expenses. This creditor has damaged my credit by reporting incorrect information on my credit report monthly.

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 03-06-2018 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: Their investigation did not fix an error on your report

Complaint: Over the last few months I have been trying to get my credit work done between the three credit bureaus XXXX XXXX XXXX and experience they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section XXXX you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I signed up for the loan over the phone, I feel tricked as I did n't understand how much interest I would end up paying. I initially borrowed XXXX dollars, at the end of the loan I have paid nearly XXXX in 6 months. On XXXX XXXX I emailed the company stating I would no longer be paying interest on a loan that has been paid plus XXXX in interest. I recieved no response until XXXX XXXX when they took an additional XXXX from my account plus the monthly 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 09-11-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: My husband and I were recently in XXXX and while XXXX can be challenging at times due to mostly banks concerned over fraud. My PayPal XXXX overstepped their bounds. My problems with them started when I got a new card from them with my name change due to marriage. Not one transaction has gone through since I received my new card with my new last name, even though that same XXXX they upped my limit. Fast forward three weeks and while in XXXX I wanted to use the card and after spending over 30 mins on the phone with them I was was told everything was good with the card and the representative even told me to go and enjoy XXXX. This was my first time to XXXX and I was excited to explore and shop in this amazing city. Well at lunch the card was declined, I was so embarrassed. Rather than leave the hotel we decided to go up to the room and figure out what was the issue now. On hold with XXXX call center for 45 mins l was livid but again assured that the problem was fixed and that we would have any further embarrassing lunches. My husband and I went to go do a little shopping and with trepidation pulled out my PayPal XXXX and again an embarrassing decline. Now I am mad and upset. They have lied to me, taken up precious time we had in XXXX on the phone ( mostly on hold ) with them, and frankly extremely embarrassed. As to not ruin the rest of our day we put that card away and we decided to call them once we return to the hotel. I was n't feeling so I gave my husband who is an authorized user on the account talk to customer service and figure out what is going on. After they put him on hold for over 50 mins he had reached his boiling point too. But to my surprise he said to the rep that he wanted to close the account and hung up the phone. I understood his frustration but did n't think much of it because they could n't close MY account without MY permission. Come to find out I was wrong. They closed MY account and they they took no responsibility for us wasting 4 hour on the phone on my XXXX trip to XXXX on the phone with them trying to spend money and use the new credit line they had just bumped up for " being a loyal client. '' This is n't legal or right and I wo n't take this lying down.

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