milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On or about XX/XX/XXXX, the borrower defaulted on his first lien mortgage loan, which loan is serviced by Seterus. Seterus commenced a foreclosure against the borrower on XX/XX/XXXX. On XX/XX/XXXX, the borrower and Seterus entered into a permanent loan modification under the XXXX Standard Loan Modification program. After the borrower 's loan had been permanently modified, Seterus charged {$340.00} of legal expenses to his account on XX/XX/XXXX, and another {$300.00} of legal expenses on XX/XX/XXXX. These legal fees appeared on the borrower 's mortgage statement dated XX/XX/XXXX. 

Seterus is barred from charging these {$640.00} of legal fees to the borrower. Under the XXXX Servicing Guide, Section XXXX, " [ t ] he servicer must include the applicable attorney fee as part of the amount required to reinstate the mortgage loan '' and " [ a ] ll out-of-pocket costs that the law firm incurred prior to the cessation of foreclosure proceedings must be collected from the borrower as a condition of the reinstatement or workout agreement. '' If the servicer fails to include these fees and costs as part of the workout agreement, it may not charge these fees to the borrower. See XXXX Servicing Guide, Section XXXX ( providing that " [ i ] f the servicer fails to include as part of the amount required to reinstate or pay off the mortgage loan any legal fees and costs that were incurred in connection with the foreclosure proceedings, or is prohibited from charging the borrower for certain costs under applicable law, it must reinstate or pay off the loan without collection of such legal fees and costs from the borrower '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (IN).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent onXX/XX/XXXXand are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (KY).
Issue: Closing on a mortgage

Complaint: Back in XXXX of this year, my husband and I met with XXXX XXXX to discuss a home loan. We were very clear at the time that we did not want to do escrow. XXXX assured us that this would n't be an issue due to down payment were putting down. We advised him that we anticipated closing to be XX/XX/XXXX. We were told that we would get weekly calls updating us on the status of our loan. This never happened. The only contact we had once the initial documents were requested was initiated by us. We received notice from our realtor that we were to close on the house we were selling on XX/XX/XXXX. My husband contact XXXX and he advised that we were on track to close on the home we were purchasing that day also.He made the same statement to our realtor. However, on XX/XX/XXXX we still had n't been given a closing time for the home we were purchasing. Our realtor advised us there was an issue with the lender. Again, we had not been contacted. We contacted XXXX and he stated that his processor had failed to complete some needed documents and that we were n't going to be able to close until XX/XX/XXXX. On XX/XX/XXXX, we were sent over a closing statement showing escrow. We contacted XXXX and he stated that this " had to be listed '' but that we were not set up to do escrow. When we got to closing on XX/XX/XXXX, the attorney for the closing ( XXXX did not come ) had paperwork stating we were doing escrow. At this point, we had already paid for our house insurance in full. He stated that we could be reimbursed for this. In regards to the escrow, he stated that we would need to speak with XXXX. Since we had spoken with him two days prior we went through with the closing, we were homeless by this point, we were under the impression this was simply a paperwork error that could be fixed. Now we are being told that he is n't sure he can fix it. He admitted that it was a mistake on his part but is n't sure it an be fixed. I have made three attempts to contact his supervisor and have n't received a response and we have n't heard anything back from him.

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 12/27/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company has repeatedly called my elderly former in-laws regarding my account. They have told them repeatedly to stop calling, and continue to call them. My ex-wife is constantly receiving calls from them complaining. The company has been told they have no contact with me any longer, and continue to harass them. They have discussed the account with them, disclosing the amounts owed. this is completely illegal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Check cashing service) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Unexpected or other fees

Complaint: I do not think it is fair that a bank should charge us a fee for cashing a check that is drawn on their Bank regardless of whether we have a relationship with their bank or not why should they be allowed to take money from us just because we do n't have an account with their Bank. If the check is drawn on their bank they should cash it with no fees to the person cashing the check. Bank of America wants to charge me {$8.00} for cashing a check that is drawn on their Bank because I do n't have a bank account at their Bank or relationship with them I find this ridiculous and totally unfair why should I give them {$8.00} of my money because I do n't have an account at their Bank what the check is going to bounce and they 're going to have to take it out of my account which is not written on which the check is not written on my account not fair they should not be allowed to charge me anything if the check is drawn on their Bank.

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 09/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I borrowed approx {$55000.00} in parent plus loans, beginning in XXXX and ending in XXXX for the purpose of financing XXXX of my childrens ' education. Some of the loans were co-signed by my ex husband, and all were qualified through the income from his business. Divorce papers were filed in XXXX of XXXX, and he blocked me from access to all family finances, while refusing to make payments on these loans, which then went into default. The divorce became final in XXXX, and the divorce agreement stated that though he retained his profitable business, we were equally liable for the balance of the loans, and I did not have the resources to hire a lawyer to hold him accountable. I called the loan company, who insisted that the only option was to put all of the loans on forbearance, and the only way they would do this was if I consolidated the loans into one debt. As per their instructions, I signed the loan consolidation papers and the new loan was placed on forbearance status. Without the guidance of a lawyer, and based on the " expert '' instructions of the Navient employees, I unknowingly removed my ex husband from any liability or connection to the loans by only signing my name. In addition, every time the forbearance status came due, I was advised to renew the status. At no time was an income based repayment plan offered or discussed. As a result, this loan was on forbearance from XXXX until approx XXXX when I called and asked about the IBR plans, adding capitalized interest at astronomical rates, and bringing the balance up to {$87000.00}. If the subject of an IBR plan had been discussed when the loan was first consolidated, the interest would not have been capitalized and the principle balance would still be at my original {$61000.00}. Navient 's employees should be held accountable for providing incorrect and harmful information, in this case unnecessarily increasing my debt by {$20000.00}, lengthening the repayment time, and resulting in the removal of the co-signer 's liability. I will be XXXX years old when this debt is dismissed, and I will never have made a dent in the balance, due to the high interest rate on the higher principle. In addition, with the high balance to principle ratio, I will never again be able to buy a car, house, or establish useable credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CO).
Issue: Loan modification,collection,foreclosure

Complaint: During the last recession, like many Americans my husband ( at the time ) and I lost our home. It was a difficult time for many. And it takes years to recover. Seeing the 'foreclosed ' debt drop off my credit report in XX/XX/XXXX was what I thought to be a brand new start. I was going to own my own home again someday. Then XX/XX/XXXX I received a notice from an attorney that I was being sued for our XXXX mortgage that had a balance of $ XXXX, PLUS interest and Attorney fees now totaling an amount of over XXXX. This is nearly 9 years later. I 'm not an attorney nor can afford to hire XXXX. While I responded to the Attorney immediately I did not send it to the court and now have a judgment against me. 
I 'm a XXXX year old single mom of XXXX. I work hard, XXXX jobs sometimes to make ends meet and to provide for me and my family. This will now haunt me for at least another 10 + years. 10 if I just file for bankruptcy and possibly up to 20 years if I do n't. What good is the statute of limitations if they can do this? How are we not protected? The Obama Mortgage relief plan is helping some ... .just not those of us that paid the price 9 years ago. 
Wells Fargo bought/acquired the loan at some point. When I have no idea as the original lender, XXXX XXXX XXXX XXXX has gone out of business and it was the one reported on the credit report. I have NEVER until XX/XX/XXXX received anything from Wells on this old debt. 
Sincerely, XXXX

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 10/19/2015 about Debt collection (I do not know) with ALLY FINANCIAL INC. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am not the person in debt, but my sister is. I received a call today from XXXX, asking for my sister by her full name. When I asked who they were, they said " I 'm sorry I can not disclose that information. '' When I asked " Why do you need to talk to my sister? '' they said " It is a private matter. Can you please pass a message? '' And when I asked how they got my information they said " We got it with some software. We ca n't disclose how. Do you know her? Can you pass a message? '' I then told them that I am a third party and they should not be speaking to me and then hung up the phone. They have now spoken to my sister and the company insisted that it is OK to call me, even though my name is not on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is for Ocwen Loan Servicing. 
I contacted XXXX XXXX and XXXX today, XXXX XXXX 2016 at XXXX regarding our Note and Deed of Trust. I explained to XXXX XXXX XXXX that fraud has occurred with our Note/Deed of Trust and that both our Note and Deed of Trust has Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX on each document. Each page of the Note and Deed of Trust has what appears to be a loan number at the bottom left side, which is XXXX. XXXX and XXXX XXXX could not find anything within their systems pertaining to a loan. XXXX stated ; call your servicer and ask them the following questions. 
1st, please provide the investor loan number for our Note/Deed of Trust. XXXX stated that everyone has an investor number! 
2nd, why does our Note and Deed of Trust have the following information? ( NEVADA Single Family-XXXX/XXXX XXXX ) 3rd, if you do not know why XXXX XXXX XXXX is on our Note and Deed of Trust, we request that Ocwen Loan Servicing completes a full investigation and provide us a response! 
4th, when we requested in the past for a copy of our Note and Deed of Trust, we expected a certified copy and not a notarized copy or a copy of a copy which is very clear from the stamp at the top right corner that these documents are copies of copies. 
Why did Ocwen provide us a copy from a copy of our Note and Deed of Trust? We 've been trying to verify that the servicer has the original documents. Without the original Note and Deed of Trust, Ocwen MERS and XXXX Bank can not enforce the copies of our Note and Deed of Trust! 
5th, please provide a certified copy from your state recorder 's office of our original Note and our original Deed of Trust! NOTE, in order to get a certified copy from your state recorders office, you must have the original documents! 
Enclosed is a copy, of a copy of our Note and Deed of Trust that you provided us in the past. Please review the bottom left corner along with the top right corner. We request that your company answer our questions in detail and provide documentation. Please do not have XXXX XXXX from the Ombudsman Office respond to this complaint? If she does, more complaint will be filed since she failed in the past to respond accurately to our complaints. 
Failure to answer our questions must result in action taken against Ocwen but not limited to the following ; investigation from a federal agency, fines being imposed, loss of business license, court order, criminal charges filed, incarceration, lawsuit, compensation for damages, mental anguish and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a mortgage modification from XXXX that was consistentlydenied. I hired an attorney and spent over {$20000.00} to obtain amortgage modification from Nationstar who apparently purchased myloan from XXXX. 
I received a letter dated XXXX XXXX, 2015 detailing a refund due mefor a " Modification Delay '' in the amount of {$3900.00}. On XXXX XXXX, I contacted Nationstar via email requesting a check in the amount of {$3900.00} for the refund. On XXXX XXXX, Nationstar acknowledgedreceipt of the request. I have not received a response or refund check todate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Today there was a hard inquiry from chase credit card and I did not authorize this. I know i did not do this because I have a low credit score and its no way I can receive any credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (TX).
Issue: Managing the loan or lease

Complaint: I do not have a loan with United Auto Credit, however, Employee of United Auto Credit utilized company systems to skip trace and gather private/sensitive information on me and family member for personal harassment. UAC did not notify me that my information had been searched, once they completed their investigation, I was not notified of what information had been accessed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2015 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (CO).
Issue: Account opening, closing, or management

Complaint: Synchrony Bank is not sending XXXX closed XXXX account moneys to Trustee of a deceased account owner. Bank told me, the Trustee, that the forms would first be sent via mail. When nothing was received I was told by the supervisor that they would be XXXX to me. 5 days later I called and they told me an account number was written incorrectly therefore the bank could not send the forms, nor was I notified by them. I was assured during that conversation by the Supervisor of the supervisors that the forms would be send XXXX and this time would have a return XXXX envelope to expedite the return from me. Today is the XXXX day and I have received nothing. I have a call in to them but there has been no return call. This bank is very untrustworthy and misleading I am now having to contact legal help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: we have XXXX loans from XXXX XXXX - now Navient we have tried to get loan forgiveness, low payment options and /or lower interest rates we have been turned down multiple times. We went to a forbearance company thinking they would take the loan at a lower cost only to find out we still have to pay the loans and the other company as well. Navient harasses us for payment when we should n't be paying on the loans, none of our phone calls are documented nothing gets document when you call. We need help and no one is willing to help. we can discuss this in further details if we can get a call from someone on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: I have a joint checking and a personal checking account with BBVA Compass bank. I withdrew cash from my personal checking account, and bought a Cashier 's check ( check # XXXX ) for {$900.00} from the XXXX XXXX branch of BBVA Compass Bank, on XXXX/XXXX/16. 

On XXXX/XXXX/16, the check was lost, and I immediately called the branch I bought it from. I was originally told that I 'd to call customer service in Order to stop the payment, as the representative made a research and said it has n't been cashed or presented yet. 

I called the customer service number behind my debit card and I was told by the representative that the Balance & Control Dept was closed as at the time I called. I called the next day, and I was told by the Balance & Control Dept that I needed to step into a Branch, in order to be able to stop the check payment. 

XXXX I immediately left the hospital and went to the same branch I purchased the check from. I was told at the Branch that I needed to go look for, and buy a Surety Bond. 

I was n't made aware of this when I purchased the check. This check has been verifiably said at the branch that it has not been cashed. A Surety Bond cost {$1100.00} for a {$900.00} check. 

This is a voluntary malpractice on the part of the bank, wasting time on a lost cashier 's check that has n't been cashed yet, requiring a bond that was n't made aware to me at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit card () with Law Offices Howard Lee Schiff, P.C. (MA).
Issue: Billing disputes

Complaint: I started paying a loan to XXXX back in XXXX. This was for a credit card that started out at XXXX XXXX I agreed to XXXX at there balance of XXXX. So I paid XXXX $ a month and now its XXXX and I owe now XXXX. I paid towards this XXXXand out of that XXXX they took XXXX out of the XXXX. How can this ever be paid off if I 'm owing more than I started at? I just received my information on my balance as I 'm getting concerned seeing that this is never going down. Id appreciate you looking into this. Ive attached my statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Customer service / Customer relations

Complaint: I applied for a Capital 1 card in XXXX of 2014. Received XXXX invoicewhich I paid on time every time. Did n't receive an invoice, calledthem & found out my account had been hacked. They gave my cardand info to someone else. {$1300.00} worth of charges. They didcredit me, yet the Fraud Dept was horrible ... ... .this dept needs fixed. 
Man was rude and never called back. I called over XXXX times.

Company response to consumer: Closed with monetary relief