milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: I tried to refinance our mortgage to get a fixed rate. I found out we have a balloon mortgage on a forty- three year note.
I did not even know we had a 43 year note. I also do n't unstated a balloon payment or escrow etc. we never signed anything.
We can not refinance because my credit score. I did not sign any documents approving a 43 year note. I have lived in my house for 27 years. I am so doubt when it comes to escrow etc. my balance has gotten out of hand and we will never pay it off. 

I just want someone to get the papers you are suppose to have with a mortgage company and review them. At one point they were charging a XXXX a day late fees. You can talk to them because they are so rude I desperate need help. Seems like there is no help for people with illegal mortgages. I do n't know who to turn too. I am retired and on XXXX and have a hard time u derstanding all this. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit card () with DISCOVER BANK (NJ).
Issue: APR or interest rate

Complaint: Discover Card applies payments up to the minimum payment amount solely to the lowest APR then applies any remaining funds to the higher APR. This results in the balance on the higher APR increasing at an exponential rate unless payments are made with consideration for the minimum payment + interest expected on the higher APR line.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information. I had  XXXX  send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..

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 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: As part of my agreement to pay the account in full the company agreed to delete the account from my credit reports. The account was paid in full on XXXX/XXXX/2014. To date the company has not forfilled there promise and the account is still on my credit reports. I called the company to follow and they stated that they will not stop reporting the account or ask the credit companies to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that cause that reinserted previously deleted information. They violated my rights unders section 6.11. I was never notified. As a result my credit score has been gravely affected. i have contacted them more than but they have not taken any actions to correct the error. I am requesting that all inquiries be removed from 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 05-05-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received a total of  XXXX  calls from an " unknown '' since Thursday,  XXXX / XXXX / XXXX . Last being at  XXXX  pm on  XX/XX/17    where I asked and was finally informed of the caller being from Synchrony Bank. I asked if they had called the prior  XXXX  times and was told yes by the caller. I was also told that I was  XXXX   ( 1 )  month late in my credit card payment. I told the caller that any/all future communication should be only be through the mail. I found the calls harassing as when I answered, the caller would just hang up and not leave a message. This practice of debt collection is outragious and a form of harassment.

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 09/16/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OK).
Issue: Loan modification,collection,foreclosure

Complaint: This is in reference to XXXX number : XXXX with Wells Fargo not responding to my request or to my realtor. Wells Fargo says they have made several attempts to contact with me with the last letter being date in XX/XX/XXXX. Since XX/XX/XXXX I have attempted many times through email, phone to contact Wells Fargo. Each time my specialist who is supposed to be working with me is changed. If this is only letter the sent in XX/XX/XXXX, it is now XX/XX/XXXX. I have had XXXX different specialist, none of which respond back to my case, except to state they are no longer on my case. Today at XXXX on XXXX/XXXX/2015 once again called and have a new specialist : XXXX XXXX . I am not sure how to spell last name. She assured me she would call me back Friday. She did n't know much about the case except it showed was working on short sale. As for the short sell, they keep telling my realtor and I that I owe XXXX I only owe XXXX on the home. Its like they have a totally different person they are speaking with. There is another XXXX XXXX that lives in same town I do. If you look online, according to online stats, XXXX XXXX 's home has already went to court and been foreclosed on. I have never received a notification like this of any kind. XXXX from Wells Fargo said there was no record of foreclosure. So this makes me wonder if they are combining the other persons case with mine. I am not sure what kind of house the other person has, but my home is only worth about {$50000.00} if that. Its old and needs repair, but Wells Fargo will not even look at the home to access it. So how do they know they have the right place. For all I know this other XXXX XXXX could be in same boat I am and they are doing the same thing to her. I think I will get with this other person and see what situation they are in. I am sure there are many people in same boat. Wells Fargo keeps stating they try to get in touch with us, but we are the ones getting the run around. New specialist every month, that specialist has no clue what is going on. and process starts all over again. They responded by saying I have not paid. True, I have had finical hardship due to medical issues and they house in need a major repair, which every time I have tried to talk to Wells Fargo they can not help in any way. No matter how much you try to explain to them the situation or explain the loan is only for XXXX, they say they need XXXX. I am not sure where they get that. Even my realtor can not understand it. I think I shall just get a Lawyer and file XXXX or get with other home owners who have been through same and file civil suit. Obviously there is no other solution. Wells Fargo is the one who will not work with us, not the other way around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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: Experian did my fix my issue with the Bankruptcy and refuses to investigate it again per their letter.

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 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I TRANSFERRED MY SERVICE FROM XXXX TO XXXX WITH THE HOPES OF GETTING THE SPECIAL DISCOUNT AND THE PROMOTION THEY HAD AT THE TIME. I ALSO HAD MY HUSBAND TRANSFER HIS PHONE FROM XXXX CELLULAR TO XXXX WHICH IS ALL UNDER MY ACCOUNT. I WAS TOLD THEY WERE GOING TO PAY THE TERMINATION FEE FROM XXXX AND US CELLULAR AND I WENT ON THEIR WEBSITE TO SUBMIT MY RECEIPT AND THE INFORMATION REQUESTED BUT IT WAS NEVER PAID AND NOW IT IS AFFECTING MY CREDIT WHICH HAS NOW DROPPED TO XXXX DUE TO THIS COLLECTION RECORD WHICH I HAVE NEVER HAD ON MY CREDIT. I AM ASKING THAT THIS BILL BE PAID OR I WILL FILE A LAWSUIT AGAINST YOUR COMPANY. I BARELY GET A GOOD SIGNAL TO BEGIN WITH AND THE PLAN IS NOT EVEN WHAT I WAS QUOTED. I AM UNDER A GOVT DISCOUNT PLAN AND WHY IS MY BILL ALWAYS ALMOST {$200.00}? I AM A STUDENT AS WELL AND MY HUSBAND IS A RETIRED XXXX XXXX, WE DO NOT HAVE THE MONEY TO WASTE ON A SERVICE THAT IS NOT AS XXXX AS THEY CLAIM. I AM TIRED OF FINANCING A PHONE THAT DIES AND DOES N'T WORK WELL AS IT SHOULD, THE TABLETS WE RECEIVED WERE SUPPOSE TO BE FREE AND NOW WE ARE BEING CHARGED FOR IT. PLEASE PAY THE TERMINATION BILL FOR MY HUSBAND AND MY BILL FROM XXXX. I LIKE THE CONVENIENT OF MAKING PMTS ETC BUT I DO NOT ENJOY HAVING A SERVICE WITH A HIGH BILL AND BAD SIGNAL.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Borrower took out a student loan with wells fargo - I am a co-signer for borrower 's student loan. Borrower is now living overseas. Problems with the borrower 's bank and wells fargo payment processing system leads to periodic payment lapses. When this occurs, wells fargo fails to contact the borrower and instead only contacts co-signer. This has been occurring since XXXX when the loan was in repayment status. For seven years I have been battling with increasingly higher levels of management at wells fargo student loan servicing ; they have always assured me that they CAN contact the borrower when this happens. Phone numbers and email contact for the borrower have been supplied numerous times to wells fargo. Yet this never happens and inevitability I receive a letter indicating this payment lapse. These notifications are always sent by XXXX mail to the cosigner and arrive while I 'm traveling, delaying receipt of it and corrective action. I have been further assured that calls would be made to me to speed up notification times, but to date this has never happened. Finally, 7 years later, wells fargo sends the cosigner a letter that they are not allowed to contact the borrower who is living internationally due to privacy regulations nor are they allowed to contact me via phone. Upon requesting a copy of those regulations, I 'm rebuffed and told that I need to identify those regulations myself - a ) why wells fargo are not able to contact a borrower living internationally when a payment lapse occurs, and b ) regulations preventing wells fargo from contacting co-signer by phone when borrower 's payment lapses.

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 02-04-2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (SC).
Issue: Using a debit or ATM card

Complaint: Today, XXXX/XXXX/16, I received a XXXX XXXX card with my name on it, which was referred to as a prepaid XXXX card. It was from " netSpend '', XXXX XXXX XXXX, XXXX, TX XXXX. I did not request the card and have never heard of the company/bank which claims to be FDIC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I signed up for a citigold account accepting a XXXX thank you points promotional offer that was sent to me. I applied early XXXX and was told that I needed to make a qualifying bill payment 2 months in a row to qualify. I called in early XXXX to confirm the promotion was on my account and that I met the qualifications. I asked when I should receive this, they stated by XXXX XXXX 2016. When I called on XXXX XXXX they said it was actually XXXX XXXX 2016 because it was 90 days after the statement closes of the month that I met the criteria. They said they saw the promotion attached and I needed to wait. Upon calling on XXXX XXXX, they said they had no record of a promotion and none were tied to my account. I submitted a citi investigation and they sent me a communication that I had no offer attached. This was the only reason I signed up.

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 07/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: School closed and I was unaware loan could be be forgiven,

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had identity theft per XXXX, XXXX, & XXXX in XXXX and XXXX 2016. These creditors denied XXXX credit applications due to the lack of verifying information. A credit freeze was placed in XXXX 2016 to protect my credit. Equifax inquiries from this fraudulent activity was disputed 3 times, but nothing was removed. A letter from XXXX XXXX and XXXX were received and sent to Equifax. XXXX refused to send a letter as they said it was all internal. Equifax merely said they are factual and did nothing. Please help in removing these inquiries : XXXX XXXX/XXXX/16, XXXX XXXX XXXX/XXXX/16, XXXX XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with Clarity Services (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i applied for an auto loan and i received the attached letter of denial. they listed a number of places where they got " my scores '' ..Clarity is one of them. They information they say are the reasons why I " might have been denied '' by the lender. Ive uploaded the document for you to see. The main reason they have the wrong information is because each credit agency is different ie XXXX, XXXX and XXXX. I also uploaded a document from XXXX with " final results '' of an investigation on an account that was made by someone else. I included the original document from XXXX/XXXX that clearly states that my information was hacked and used. After 45 days of investigating XXXX sent me my results ( uploaded ) and stated the they will contact XXXX and XXXX ... They didnt. Those XXXX accounts are still on those later credit reports along with old address information that has clearly affected my approval for a loan. Listed on Claritys letter they state that they couldnt verify my identity and that my address couldnt be verified and that its not my primary address!! How is that so when i 've lived there for almost 3 years. The DMV, CA State Registry of Voters, Social Security and my XXXX bank account at different banks all have my correct address. But the XXXX Credit Reporting agencies do not. Please fix this problem. It has negatively impacted my ability to get an auto loan so i can get work so I can get off of govt benefits!

Company response to consumer: Closed
Consumer complaint received 04/19/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo added charges to my mortgage loan for things I should have not been charged for as I attempted to request assistance with payment problems over and over since XXXX. I was not given correct information for obtaining payment assistance until I started complaining to CFPB. Upon the first complaint, I was finally allowed to talk to a person to seek relief. Their response was the correct XXXX to complete their obligation and the lengthy time and hundreds of documents I uploaded, did nothing but increase my monthly amount due. I was given false information and the horrible treatment I received was deplorable. Each time I requested a modification to lower my payments, I was handed off to another set of people. During the process of trying to get assistance, I have had XXXX people who have indicated they were my " preservation specialist '', and each person always needed papers that I would submit and they would be wrong and they would loose them. The attached documents are for excess fees added to my account that include, but are not limited to : Property Inspections, Late Fees, Hazard Insurance, and Mortgage Insurance Payments. I requested help since XXXX. The attached are an addition to my XXXX complaint and are for XXXX and XXXX. The remainder of years will be submitted in blocks of 2 years to assist with making my complaints less complicated.

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 11/15/2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Statue of limitation has passed on the item in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, XXXX Complaint Nationstar/ XXXX XXXX ( formerly XXXX ) I just want a mortgage amount of {$2000.00} and excessive forbearance reduced by 50 % with the my payment of the balance of the excessive forbearance waived for 2 years. 
Working diligently to get an affordable mortgage since XXXX. 
A reason given for not giving a affordable mortgage is excessive forbearance which would could have been prevented if I my income was calculated correctly and I was given an affordable mortgage. 
XXXX XXXX were given our first modification of {$1900.00} which included taxes and insurance, which had an excessive forbearance. We appealed this mount because the income was not computed correctly and should have resulted in a payment of {$1700.00} which we could afford. The income used was {$6200.00} but should have been {$5600.00}. 
My request to review this income calculation sent me through a dreadful cycle of unconscionable modification offers from {$50000.00} up front, my home being vandalized XXXX times ( by mortgage property inspectors ) to the present unaffordable modification of {$2500.00} with a forbearance of {$300000.00}, Just recently I was offered a {$2500.00} modification trial on XXXX/XXXX/XXXX and then was sent modification denial letter dated XXXX/XXXX/XXXX. The {$2500.00} modification trial on XXXX/XXXX/XXXX was for 40 years when I was told the previous modification trial offer of {$3100.00} could not be lowered. 
The XXXX report a Nationstar denial letter dated XXXX/XXXX/XXXX shows my home value at {$500000.00} when the Median price is {$270000.00}. 
The mortgage seems to have been sold to XXXX XXXX ( I was not notified ). XXXX XXXX filed a XXXX/XXXX/XXXX foreclosure which came to my attention from a XXXX foreclosure/modification advisory notice. 
I hope I can get The Bureau to help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have had better luck going through you to get a response out of Navient than getting ahold of them directly.

I've been trying for over a year to get back into an income based repayment plan. I was on one with XXXX  before Navient bought them out. Then I submitted everything and somehow my accounted ended up in forbarance. I can't recall why. So earlier this year, I went to submit the application again, with my XXXX and was told that it was too early to apply for IBR. however, I wasn't in IBR, I was in forebarance. I had not been in IBR since the previous year (I may have requested forebarance because I had changed jobs and taken a substantial pay cut), anyway, now I am trying to get the status of my application and I am getting NO response. I use the email XXXX because I just do not have the bandwidth to be calling and calling and calling. You can't use their on line system because I can't just respond to an email. I have to log in and half the time my password doesn't work, so I have to reset it. Its such a convoluted mess. I was having very good luck dealing with the advocates vs the customer service, but now I find I am getting no response with either.

I submitted an application and after 3 retries because either I checked a box wrong or they didn't accept the documentation I'd submitted as proof of payment (which, by the way neither the emails or the letters in the mail tell you exactly what is missing or incorrect. you have to call. then you sit on the phone. then you wait for someone who knows what is going on. This game is exhausting.

I got a late notice in the mail, however, I never got a bill and I've never had a response to my IBR application. 

I want them, AGAIN< to waive all the interest accrued during this maddening process. I want an affordable repayment plan. Or I want the option to have a different lender handle my loans. Someone who actually does what they're supposed to do, like XXXX who I had previously.

Company response to consumer: Closed with explanation