milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Structure of my home loan : I have an XXXX loan with Nation Star Mortgage. Basically 80 % of my home loan gets taken out of XXXX loan and 20 % gets taken from another loan. Insurance and taxes are paid out of my 80 % loan ... .never my 20 % loan ... .I do n't even have access online to pay escrow on my 20 % loan if I wanted to ... keep this in mind when reading below. 

Around XX/XX/XXXX, I received a check from my home insurance company in the amount of {$1400.00}. The insurance company stated my mortgage company XXXX Nation Star Mortgage XXXX paid the insurance twice. I called my mortgage company and told them that the insurance was paid twice and asked what I needed to do with the check. Nation Star Mortgage said I had enough funds in my escrow and did n't need to send the check back. I was advised that, just to be safe, to send {$200.00} which I did in XX/XX/XXXX 

Now it is XX/XX/XXXX. In the beginning XX/XX/XXXX, I sent over {$8400.00} to pay off my 20 % LOAN with Nation Star Mortgage. A few days later, I realized I had a {$12.00} balance so I sent {$20.00} more to close it out. A few days later I noticed the account was still not closed so I called Nation Star Mortgage. Nation Star Mortgage explained that I had an Escrow balance of around {$1400.00}. Basically, after numerous phone calls and time, I found out that when the mortgage company paid my insurance twice back XX/XX/XXXX, they paid it once from the 80 % loan and once from the 20 % loan. I have called Nation Star Mortgage numerous times to discuss their mistake and all they tell me is that I need to send the check to pay off the escrow. This is not right because I was told by a Nation Star Mortgage employee XX/XX/XXXX that I did not have to send the check in. Her notes are documented in the Nation Star Mortgage database. This has been confirmed by another employee I spoke to. Also, why did n't Nation Star Mortgage realize they paid the insurance from the wrong loan and fix the issue or contact me??? When making my online payments for my 20 % loan since XX/XX/XXXX, nothing was ever shown stating that I had an escrow balance. I am currently working with another Nation Star employee who states that the best they can do is move the escrow balance on the 20 % loan to the 80 % loan. It has been over two weeks already since she last told me this and nothing is happening. I would like for Nation Star Mortgage to pay for the escrow balance on the 20 % LOAN since it was their mistake. They took it out of the 20 % loan which was a mistake and they told me I did n't have to send it back which was false. A financial company can not make these types of mistakes and expect the customer to pay for them. This is not right.

Company response to consumer: Closed
Consumer complaint received 09-09-2017 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: Reporting company used your report improperly

Complaint: Private information in my credit report has been released into the public realm from Equifax without my permission. I subsequently placed a freeze on my credit report, and was charged to do so by Equifax ( I was required to pay for the freeze with a credit card. ) I feel the freeze should have been placed with no charge since my data was compromised by their own admission.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo foreclosed on my home and it was sold back to them on XXXX XXXX XXXX. It was valued at XXXX and was purchased for XXXX. The amount we still owed was approximately XXXX. I separated from my husband in XXXX XXXX. He allowed our home to go into foreclosure without my knowledge. I called Wells Fargo around XX/XX/XXXX and that 's when I learned about the foreclosure. I was told the loan status was going from pre forelosure to foreclosure. The right to cure had passed already in XX/XX/XXXX with no action from my husband and I could not be granted the opportunity given to him to cure the loan. I gave the representative my current mailing address where I could be served any papers and my contact info. I still have not received one piece of paper on this foreclosure, the sale, or have I ever received notification of any kind.I was told by the county recorder In XX/XX/XXXX they used publication in a newspaper to notify me when they had my address to serve me 2 months before this. I was trying to sell the home but was blocked from doing so by my my husband 's refusal to allow the realtors to show it. I was told I must pay the full balance to bring my home out of foeclosure. A wells Fargo rep told me that home loan modification was for those staying in their home not selling it. I did n't realize it would have bought me some time to sell the home. I learned of the sheriff 's sale in XX/XX/XXXX by realtor XXXX XXXX, a realtor my husband hired in the XXXX hour, who opted to not actively sell the home due to the pending sale. I was passed from person to person within the Wells Fargo mortgage department and their local law firm. The home is in a hot selling neighborhood and if given some more time to remove my husband I could sell the home and receive back my nearly XXXX in equity. I was told by the XXXX brown law firm who represented the bank to send the delay of sale to Wells Fargo mortgage help by fax ultimately it was denied and the sale continued. I later learned the request should have been sent to the sheriff 's office. I was a XXXX XXXX XXXX on a full scholarship when i separated from my marriage so I simply could not afford an attorney. My name was on that loan and still to this dayI have never been served or mailed anything on the foreclosure, sale, mediation ect.. I understand publication can only be used after a diligent search and they had my address for two months at the time they published my name. I was mislead about loan modification and the bank never worked with me to find a solution. My equity was a substantial amount and I feel I have been cheated out of it! I am located in Iowa

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 10/13/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (SC).
Issue: Shopping for a loan or lease

Complaint: My husband and I went to XXXX XXXX XXXX, in XXXX XXXX, South Carolina on XX/XX/XXXX. At the time, we discussed the price with the representative who said that he had to discuss the cost with his finance representative and with his manager. We held on to all paperwork that had our personal information as we asked not to have our credit run, until we agreed on costs. He said he made some notes on the back about what we desired for a trade in cost and what we were paying for the vehicle and that he just needed to take a photo of that. He took the photo. Unbeknown to us, that photo also included our personal information. When he returned, he came in with multiple finance offers using me as the applicant and my husband as the co-applicant vice-versa. Once, he brought back the paperwork, we shared our frustrations and asked that he not run our credit and we left taking the form with us. Little did we know, the finance manager had copied our information and began running our credit more than 10 times. I have taken this issue up the dealership to no avail.

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 11/14/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Rewards

Complaint: I used the Discover Deals section of the Discover.com website to make a purchase with a 5 % cashback bonus. I used this page ( XXXX ) to buy a XXXX and get 5 % back, but when I asked a Discover representative later for more information they said my purchase was excluded, even though XXXX was not listed under exceptions for the deal at the time. The representative acknowledged that the live site at the time did not exclude the purchase, and said they would investigate further. The next day XXXX was added to the list of exclusions, and I was told I would not receive the 5 % back, so I canceled the charge. Attached is a print out of the original deal before it was changed and a transcript of my correspondence with Discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from  XXXX . I asked for written verification as well as signed contracts with my signature for  XXXX  ... there were  XXXX  accounts on my report for transunion in which  XXXX  were deleted yet  XXXX  remains and  XXXX  JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX  SERVICES AND  XXXX   XXXX  SYSTEMS on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....

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 01-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am not sure how to go about requesting this type of change to my credit reports. Currently they all show that I have a credit history of 14 years when in fact it should be around 24. My credit score is listed as being adversely affected due to the shortened reporting and it leaves out payment in full of 2 mortgages, 2 car loans, and a student loan. Is there any way to have these items restored to my report?

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 12-07-2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Struggling to pay mortgage

Complaint: I signed a contract with XXXX XXXX to assist me with modifying my mortgage loan. I was informed by my account manager with the company XXXX XXXX that I was entitled to a full refund if the modification was not successful. The promise of a full refund was my main reason for signing the contract to do services with this organization. In the end the modification was denied and I was referred to other agencies and other services which required more money however the modification was denied and my home went into foreclosure. I went to the company owner XXXX XXXX, he stated that the company was now out of business and that I will not be receiving any refund. After doing more research on XXXX XXXX, I later learned that he has opened several companies such as this and he has taken money from unsuspecting consumers and left them in an even worse situation. 

Please help me put an end to this gentleman 's scams and obtain a refund for myself and other helpless consumers. Please contact XXXX XXXX at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NM).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: This vehicle is currently with the co signer. Company did have my information but made zero attempt to me the primary owner, that the co signer XXXX XXXX was not paying the vehicle. 

I started to notice a pattern of alerts that my credit score was dropping at a high rate and was wondering why, since my payments were on time. 

I checked with XXXX XXXX and noticed that they repossessed the vehicle, with no attempt to contact me. The vehicle was payed again and payments were caught up Anytime this account was in delinquency do to the co owner I corrected it immediately. 

This account is in a charge off state, but payments were current. 

I request XXXX XXXX make fair changes to my account and put it back as an active account with them and take any delinquencies of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have sent several letter stating that I want to be only contacted by mail. I also stated that my work does n't allow such contact, and I am still getting phone calls, and faxes at work. 

XXXX XXXX, XXXX NC

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am again going through my repayment options  with Navient. And again,  my only options are to do a forbearance based on my income. I borrowed  XXXX  and now owe $  XXXX . I need to start paying on these loans but for many many years my only options are to either do the forbearance with {$0.00} payment or to pay a very large monthly payment which I can not do based on my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 past 6 months I noticed 2 accounts reporting on my credit reports that are mistakenly reporting ... I contacted equifax over the phone on numerous occasions and every time I call them I get a operator who cant speak english and each time they refuse to let me speak to an american ... I was told I could go online and dispute them and each time I go online it says my information doesnt match their system

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted XXXX XXXX/LensCrafters to attempt to get a late payment removed from my credit report to all bureaus. I contacted them when the original late payment was reported. It reflects that I was 30+ days late. At the time i was receiving paper bills and never received one for that statement. When I called to inquire about not getting a bill i was told it was already 30 days late and had been reported but since i had never been late before, with good account standing moving forward it could be removed. I paid off the account in XX/XX/XXXX and the account has been current for 34 months. I called the company on XX/XX/XXXX to request it be removed and the person i spoke with was not compliant. I am asking that this issue be 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 non-monetary relief
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Empowerment Ventures, LLC (PA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: My name is  XXXX   XXXX  and I filed my tax return and got a  Rush Card  so I would n't have to disclose my banking information which now seems like it may have been a terrible idea. On  XXXX   XXXX  the amount of {$2900.00} was uploaded onto my  XXXX  rush card I was told that it would take longer for the money to be processed so I was n't even aware of the money on the card until  XXXX   XXXX . The next day I was then locked out of my rush card and i stayed locked out for a few days after that. It would not work and whom ever was responsible put a pass code on my account they also changed the address to an unknown address in Delaware, they then changed the email on the account to an unknown email. I regained access to the account they then provided the false address to me, I then changed the address back to my correct address, well at least I thought I did. At that time I was told by a representative that my dispute process had then started the date was  XXXX   XXXX  and once I filled out the form and sent it back I would be provided a provisional credit to my account in the amount of {$2500.00}.  XXXX  weeks later i still was not provided the credit to my account. I also made a request to receive the dispute form by email ( which they still had the wrong email and address ) because they said it would take  XXXX  days by mail, so I again made another request to change the email and address to my correct information for the second time. I faxed the form back  XXXX   XXXX  around   XXXX   XXXX    then called to confirm they received it, which they said they did. In between I called to check on the credit which I was told I would be receiving on  XXXX   XXXX  from  XXXX   XXXX   XXXX , then the  XXXX  as well. I was then told I would not be receiving the provisional credit and when i asked why they did n't have an answer for me they only said I would have to wait until they reached the resolution on the case which would take  XXXX  days so I was told to just wait. Frustrated and upset I waited again for another few weeks on  XXXX   XXXX    XXXX   XXXX   I called to check the status of the case i was then told there was no error found and that there was no  one  higher for me to take to and there was once again no explanation. i then contacted CFPB. A police report was filed the day the dispute was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Struggling to pay mortgage

Complaint: I have had a very difficult time with Caliber. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Caliber always seemed to lose my paperwork, which I constantly had to re-fax. Once Caliber receives the documents, it takes them 5-7 business days to confirm they have received them. I now have a sale date of XX/X/2017, and Caliber is stating they can not review the modification because of the sale date. If Caliber was not so dysfunctional they could have reviewed the modification 30 days ago. I feel like Caliber is being fraudulent and lying to me. All in an effort to foreclose on me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: As of XXXX, XXXX, XXXX has been taking money out of our Wells Fargo Checking account without our authorization. They have done this XXXX times, sometimes bi-monthly for about a total of {$1300.00} as reported to me by Wells Fargo. 
I contacted Wells Fargo on XXXX XXXX, XXXX to report this unauthorized withdrawal. I contacted the fraud department as instructed. The woman from Wells told me that we would not be liable for these charges. She said that Wells Fargo would cover this for us. She did a search to see the history of the charges and found that XXXX was at times taking {$29.00} BI-MONTHLY FROM OUR ACCOUNT. She then transferred me to another person on the fraud unit. I had thought that I was already talking to the fraud unit. The case number that she gave me was XXXX. The fraud unit Representative the told me that there is a statue of limitations and they may only go back XXXX months. He implied that we were at fault for not reporting this sooner. He said that it would take about XXXX business days to get a reply from Wells Fargo and that we may or my not get our money reimbursed and that if it was, it could be taken away. He said it could take from XXXX days to process this. He said a lot of research goes into this. We may get a provisional credit or temporary credit but it can be taken away..He then transferred me to his supervisor after I told him that we were not responsible.I told him that I did not know if what he told me about the statue of limitations is legal. The supervisor came on, and she said that she could not hear me and ended the call, whereupon I had to call back and deal with another person who then told me I had to answer several questions which I did answer. I asked her to please email me the questions that I had answered so that I could have that for my records. I have not received that information. 
I hope that you can help me with this as I do not know what my rights are with Wells Fargo.

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 11/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Other service problem

Complaint: Capital One Bank is blocking me from using XXXX. It is illegal for them to block me..

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have requested a validation of debt from Midland Funding with no response. I also requested a Affidavit of Fraud from this collection company with no response. This company as placed a Restraint on my account so I ca n't access to my money since XXXX 2015. I recently received a notice stating that they have removed all the money in my account. I never provided to this company my account information I do n't know how they get my information. I truly believe that this is illegal and unconstitutional. Please help me to get this issue resolve.

Company response to consumer: Closed with explanation