milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Over the last 2 years, it has become next to impossible to obtain any detailed information regarding my loan. 

I have been instructed by customer service to not go by the Navient.com Loan Details web page, as it isn't up to date. When I request a detailed breakdown, they state that they are not allowed to provide that information. 

In XX/XX/XXXX I reapplied for Income Based payments, I listened to the terms & conditions and pressed pound to accept. I come to find out in late XX/XX/XXXX that the payment plan was never set up by an employee error & I was several months past due. 

This has happened multiple times, I am in a automatic debit withdrawal program, yet the interest fluctuates or money is misapplied to the loan. 

All the while- I haven't received any correspondence or breakdown. 

I have to check my credit report every few days, to see if my loan amounts are up to date. 

Today, XX/XX/XXXX, I run my credit report & my student loans have gone up {$47.00}. Yet, I made my scheduled payment on XX/XX/XXXX, with the next one scheduled for XX/XX/XXXX. 

Overall : 1 ) The principal amount is wrong 2 ) The interest calculated is wrong 3 ) The company refuses to provide a detailed explanation of the amount 4 ) The company charged interest and penalties while I was enrolled in school full time.

5 ) The company refuses to provide an address to a written dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo foreclosure fraud, No Standing to Foreclousure 1 ) XXXX XXXX Could not have effectively transferred assets after the date of XXXX XXXX 's Bankruptcy filing and after a bankruptcy court approved liquidation plan onXX/XX/XXXX and assignment of my mortgage between XXXX XXXX XXXX XXXX To XXXX XXXX  was dated XX/XX/XXXX. ( By XXXX XXXX office by Robo -signing and his document-processing firm XXXX XXXXXXXX XXXX ). ( Has not provided proof of authorization by bankruptcy court ) 2 ) .Second item of fraud, The Power of attorney which is between XXXX XXXX and Wells Fargo XXXX XXXX XXXX is not stated in the " Limited Power of Attorney ''. Note Wells Fargo Can '' t be the Attorney-in-fact for XXXX XXXX XXXX XXXX ( Robo-Signing ). Which is violated New York State Power Attorney law.it is suppose to say " XXXX XXXX XXXX  XXXX, by wells Fargo N.A as attorney-in-fact ).

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 11/22/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Trouble during payment process

Complaint: PHH Mortgage underpaid our property taxes by {$1300.00} and we had a lien on our house as a result of their failure to pay the City our taxes. I would like PHH to allow us to close our escrow account and let us pay our own city taxes and homeowners insurance. 

After hours of phone calls they over-nighted the difference in payment on XX/XX/XXXX to the city and the lien was removed from our house. Since then they have charged us random amounts each month to make up for the low escrow balance and have been putting the majority of our monthly payments to escrow and not to our principal and interest. Since their initial mistake, the average breakdown of our payment each month has been 54 % to escrow, 30 % to interest, and only 16 % to the principal. 

We transferred money into the escrow account in order to have our contributions to principal and interest go back to a reasonable rate. They have recently refunded this " overage '' in our escrow, making it so we would again be short for our city taxes this upcoming year. On XX/XX/XXXX we requested by phone the paperwork to close the escrow account so we can pay our own city taxes and homeowners insurance. We never received the paperwork and called again on XX/XX/XXXX and they said they sent a letter indicating that we are not eligible to close our escrow account. We did not receive this letter, although we have had other correspondence from them. The customer service representative we spoke with did not know why we would not be eligible to close our escrow account. We have paid off 44 % of our loan. 

If they can not pay our taxes or estimate our escrow correctly and the majority of our payment goes to fund our escrow account, rather than principal and interest, we will be paying more in interest than we should be paying, especially over the life of the loan. 

I would like PHH to allow us to close our escrow account so we can pay our own city taxes and homeowners insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Applied for a modification was denied as a XXXX lien and since XXXX lien had some monies forgiven couldnt do anything for this one.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Complainant : To : CFPB Bank of America breaks the law by refusing to dispute {$95.00} One Class charged XXXX/XXXX/XXXX. 


Complainant bought specific course from One Class but found that the course was listed without content specifically linked to the specific course bought. 


Complainant alleges One Class commits tortious fraud. 


Complainant requires refund of {$95.00} plus finance charges. 


XXXX XXXX XXXX/XXXX/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 monetary relief
Consumer complaint received 01/27/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I recently started receiving marketing from Wells Fargo and its affiliates. This is odd because I opted out of marketing and other non-essential information sharing when the account was originally set up in XX/XX/2016. It appears that Wells Fargo recently changed my opt out preferences without my consent to show that I did not opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Trouble during payment process

Complaint: Mr. Cooper ( formerly Nationstar ) sent me advertising materials about purchasing a home protection warranty, which I agreed to because they said they could pay the monthly premiums directly from my escrow account. The policy went into effect on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( the home warranty company ) that my policy was being cancelled due to non-payment of the monthly premiums. I immediately contacted Nationstar and they assured me it was an oversight, and that they would forward the premiums to XXXX XXXX so that my coverage would remain in effect. On XX/XX/XXXX, I had a plumbing leak in one of the bathrooms and it did approximately {$9000.00} damage to my home. My homeowners insurance policy issued me a check for the damages, minus my {$1000.00} deductible. They informed me that the plumbing repair was my responsibility and needed to be done prior to the repairs. I contacted my home warranty company because their brochure states they cover plumbing problems, and that they will cover my {$1000.00} deductible. When I tried to file a claim, I was informed that they could not process my claim because my policy premiums had not been paid for the last four months. I contacted Mr. Cooper ( Nationstar ) and they informed me that it was another oversight on their part. I have been talking to them for the last three weeks, they told me they wired the money to the home warranty company over ten days ago. The home warranty company denies receiving any payment. In the meantime, my family and I are being denied services for which we have already paid. We are unable to repair our home unless we get the plumbing problem repaired. I have been waiting a week now for the mortgage company to produce proof that they wired the funds when they say they did, they are still unable to produce those records today.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit report states that I lived at an incorrect address. It stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at this address or even lived in this state. I have made a police report and notified the federal trade commission as well as contacting the credit reporting bureau myself yet it is still reflecting on my report. I can provide documentation that proves I was living in XXXX at the time this address was added to my report as well as any account opened with this associated address

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citibank sold debt to a credit called XXXX - but they sold a debt that didnt belong to me! I have had several discussions with Citicard including a phone conversation in XX/XX/XXXX when Citicard said the fraud team would look into it and close the card/relieve me of any wrong doing and take it off my credit report. When I checked my credit report it was removed so I assumed everything was okay. It was NOT okay! Citibank SOLD MY DEBT ( even though it was not mine ) and now I got SUED by XXXX. XXXX is suing me for {$25000.00} for a credit card that had a {$1600.00} limit that was not even my card! XXXX levied my bank account and is ruining my life. The funds they levied will leave my account XX/XX/XXXX - so this is extremely urgent! I can not hire an attorney because XXXX has levied every penny I have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2014, my formerly adjustable rate mortgage was modified, at great expense to me and improperly, in my opinion, but that is water under the bridge. Since modification, Ocwen, the loan servicer, has failed to maintain my escrow account properly or provide me with monthly statements, force-placed insurance without reasonable basis, paid real estate taxes that were not due ( I am elderly and have a real estate abatement from my city ) and then jacked up my escrow account to recover the funds and just generally made my life miserable, resulting earlier this year in a foreclosure notice, notwithstanding my loan history of timely ( early, actually ) payments over 14 months following the modification. I had to file Chapter XXXX and they are continuing the same malevolent path, refusing to file a claim but objecting to confirmation of my plan using an outrageously false statement of arrears ( which ONLY have developed since they improperly began rejecting my payments in XXXX of this year ). I want you to make them analyze my escrow properly, give me credit where it is due ( we have sent them innumerable communications to which they just talk over and keep saying they 're right and I 'm wrong when I am not ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XX/XX/2014 Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: Homeowner is currently foreclosure and, by and though his XXXX counselor, XXXX XXXX XXXX, has submitted a completed loss mitigation package. In XXXX XXXX XXXX XXXX confirmed with Nationstar that a full and complete modification packet had been submitted. On XXXX XXXX and XXXX XXXX, XXXX XXXX contacted Nationstar to re-affirm that the loss loss mitigation was complete and under review.Meanwhile, the foreclosure sale had been reset seven ( 7 ) times in anticipation of Nationstar making a decision on the loss mitigation application However, before Nationstar informed Homeowner whether he was approved for a loan modification to reinstate the loan, Nationstar informed Homeowner that the loan was transferred to Sharepoint on XXXX XXXX, XXXX. Homeowner has since been advied that the will need resubmit his application for a loan modification to Sharepoint. Because of Nationstar 's blatant disregard for the servicing loss mitigation rules, Homeowner is at risk of losing his home. Furthermore, Nationstar failed to advise client or his XXXX Counselor as to whether Homeowner was approved or denied for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with CORELOGIC INC (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The following companies performed hard inquiries into my credit without my knowledge with damaging consequences to my credit report. When i contacted each the response was always a ) they wanted more personal information b ) they blamed someone else c ) were unable to help me by removing them : XXXX XXXX XXXX XXXX, XXXX XXXX. WONT REMOVE UNTIL XX/XX/XXXX.,XXXX # XXXX, Credco XXXX XXXX XXXX, XXXX XXXX . # XXXX XXXX WONT REMOVE UNTIL XX/XX/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 10/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Dear Sir or Madam, I am contacting you because I discovered that two late payments were reported to my credit report by Navient ( on XXXX ) several days after I made payment ( on XXXX ). This occurred in spite of the fact that I have never received a billing statement in the mail. 
I strived for many years to maintain a steady record of payments for all of my debts, in particular my student loans. Navient has consistently misallocated my payments for more than 12 years, by applying payments to the only to interest portion of my loan so that the principal has barely been reduced ( see attachment showing the history of my misallocated payments ). 
This conduct has continued for many years, despite the fact that I repeatedly inquired about income-driven repayment plans, only to be informed that I would not qualify. Instead, I was repeatedly encouraged to postpone my payments through unaffordable forbearance plans. 
By failing to correct the information reported in XXXX XXXX, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs. 
Furthermore, Navient is similarly in violation of Section 623 ( a ) ( 7 ) of the FCRA which requires it to inform consumers about negative information placed on a consumer 's credit report within 30 days. I have never received a statement from Navient nor this notification in the mail. 
I contacted Navient on XXXX XXXX, XXXX ( letter attached ) and since that time I have reached out on multiple occasions via phone since then in an effort to resolve these issues but to no avail. 
I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the two accounts showing a late payment in XXXX XXXX be removed and to correctly apply my payments to my loan. 
In the event that these reports are not immediately corrected, I intend on continuing to file official complaints with all regulatory agencies ( CFPB, FTC, BBB etc. ) to inform them of these circumstances and pursue other legal routes if necessary. 
I look forward to your prompt response and resolution of this matter. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (I do not know) with USCB, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I RECEIVED A VOICE AUTOMATED PHONE CALL STATING XXXX XXXX IS REQUESTING FOR ME TO RETURN HER PHONE CALL IN REGARDS TO A DEBT THAT I OWE TO USCB AMERICA????

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Payday loan debt) with Dominus Law and Recovery, LLC. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have been contacted multiple times now by different debt collectors from XXXX XXXX XXXX. I do not know what XXXX XXXX XXXX is nor do I ever recall getting a loan. They threatened to have me arrested if I didnt pay the {$600.00} in 24 hours. They would not provide me with any information regarding where the loan originated or and documentation of any kind validating the debt. I have no problem paying me bills but if I cant be provided proof I owe anything, Im not going to give my card or bank information. They said they were from The XXXX XXXX XXXX in XXXX FL. I looked them up and it says nothing about debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with ARS National Services, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I open up a XXXX acrd with my son and about 2 to 3mos I decided I did not need the card we went to the bank was told we have to bring our id and that they would remove me from the card no problem. we left couple of months later I ask my son how was he doing he said he was behind I ask him to let me help found out he was XXXX in debt ask why my name on here he said that 's how the bill come I was furious at him in XXXXXXXX XXXX  I called ask what happen they explain they cancel my cark but not me as the primary owner, I begin start making payments they would return payments I had no account number but I had the same ssi number still reyurn I called every day and finally they called me to make a settlement I excepted to pay XXXX for the XXXX. I had until XXXX XXXX I made the payments ontime finish in XXXX rcd a call in XXXX sayi been sent to collecton agency and I owe XXXX but I paid the settlement now I asking for a receipt from XXXXXXXX XXXX they say they do not give receipts and the ars national collection say I will have to wait a month until they review I have until XXXX XXXX help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: we are recently submitted a claims to varies if we got a hamp. modification from XXXX XXXX XXXX. but we forget to mention our second complain about not modifying our home because we make too much money and our debt is too high. which do n't even make any sense because we are making less we loss our XXXX and was sick for the past three years. our bank statement and everything reflect us making less and transition from one job to the next. we feel that the bank just want to sell our home and do n't want to work out a solution for us. struggling family in hard times. we send several faxes and mailing document for the past three years but there is always something that was not done or receive. we are looking for a fair chance of modification of our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had my mortgage from greentree servicing that did not honor my loan modification I submitted paperwork XXXX different times. They said i was in foreclosure of which I want and charged my account {$1500.00} and really harassed me with phone calls and when I paid charged me a convince fee many times. I believe I am entitled to money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In 2004 I discovered I was the victim of identity thief. I filed a complaint with the police department -- XXXX, VA. For several years following I filed request for Experian to remove the information from the report. After many years of complaints to the FTC and them directly they sent me reports showing that the information was removed from my report. 

The information is still on the report and in their data base. Since they provide erroneous and fraudulent information to government agency I continue to have countless problems with receiving benefits because I can not verify my personal information. For instances, I can not apply medical insurance throw XXXX XXXX XXXX, State Unemployment or anything else. 

I have seen copies of my Experian credit report that companies have received that show the fraudulent and wrong information about me and are different then the credit reports I receive as a individual person at the same time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation