milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Problems when you are unable to pay

Complaint: I am slightly behind on a car payment to Wells Fargo Dealer Services. I am the owner of a business and I use the car primarily for the business. WFDS has been calling me at my business number and filling up a voice mail box that is used for sales & support and is checked by other people. Even though they do not disclose who they are, people can XXXX " Wells Fargo Dealer Services ''. It has undermined my business in that people are concerned they may not get paid and word has gotten around to several of my investors who may be looking to pull out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been making payments for many years on my student loans to a company called XXXX. Then, last fall they sold my loans to Navient. At that time I owed approximately {$12000.00} - which XXXX records will prove. Now, when Navient displayed my balance with them, they claimed I owed over {$13000.00}. I was n't sure about the discrepancy, but while looking into it I made two separate {$1000.00} payments - I am working hard to be debt free. However, since then my balance has not gone down at all. I have sent them numerous messages to figure out the problem, but instead of being honest and crediting my account and adjusting the balance to what it should be, they are now claiming I owe almost {$15000.00}. They are clearly acting nefariously and have left me in a lurch - if I pay them I will be robbed of thousands, but if I do n't they will ruin my credit and keep charging interest. They are thieves and I do not want to deal with them. Please help me. I 've worked so hard over the last 5 years to get this debt out of my life and its meaningless now if they 're just going to steal from me and use these tactics to keep me from my goal. Anything you could do to help would be appreciated. Thank you for taking time to read this. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I recently applied to discover student loans hardship program. In three separate occasions I have received an email back on informing me they could approve my l application because it was missing documentation. As I am unemployed I have to submit proof of eligibilty for unemployment. I have stated over the phone to various Customer Service reps at Discover that I do not collect unemployment as I am not eligible for it. I spent close to 45 mins on the phone with a member of the hardship program today, XXXX XXXX, telling them the same thing. What am I suppose to do now committed fraud to give them what they want. My cosigner has graciously agreed to pay them during the hardship period. They refuse to accept a signed letter from both her and myself stating such, but yet have asked her to submit the last three months of pay stubs and her most recent XXXX. From my understanding this hardship program will reduce the payments significantly over a 12 month period but they are making it difficult for those who need the program to get into it. My loan is set to be charged off at the end of this month. I have repeatedly told discover I can not afford to pay XXXX a month and need a lower payment. I get the strong feeling they are trying to push me towards a charge off and a possible lawsuit. I am not refusing to pay them I can not pay them XXXX. Rather than try to find alternatives that make sense, the Customer Service rep was going to transfer back to the charge off department, for them to harang me by telling me, I have pay XXXX by the end of the month if not my account is going to charge off. If I do n't have XXXX where am I going to get XXXX from. This hardship program would have saved me but I can not get into because they seem to think I am lying when I say I AM NOT ELIGIBLE FOR UNEMPLOYMENT. I can not keep waiting three months to come up with one payment. This has got to stop. How many ways can you say I can not afford this payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Taking out the loan or lease

Complaint: Dear XXXX ; On XXXX XXXX XXXX I filed out an application for auto financing with Capitol One via XXXX of their numerous pre-approved offers they have been sending me for the past year after finding a car that I wanted from XXXX in XXXX XXXX. I filled out the application and combined my current income ( half from an employer, and half from workers compensation ( since XXXX XXXX ) and submitted the required proofs of income, included last years tax return summery, to them through XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). On XXXX XXXX I signed financing papers through the dealership and took the car home. 
A full two weeks later, I get a call from the dealer saying Capitol One was now backing out of financing the vehicle, stating that they would not consider my workers compensation as income unless I had been receiving it for more than two years. The dealer stated that I would have to come in and they would have to " re-write '' the contract. I retained a lawyer after that. 
In the mean time, I searched for alternative financing and found it with XXXX XXXX XXXX who had no issues what-so-ever with my sources of income. However, they were not able to issue a check to the dealer until the lien Capitol One had placed on the car and been removed. It took over a month to get the financing for my car settled and I think both the dealer and capitol one are in the wrong. Capitol One swore MULTIPLE times to me, my Attorney and to the dealer, that they did not have a lien placed on the vehicle since they had not approved the financing ... .two weeks after I signed the papers. In the end they said it " fell through the cracks '' which I find preposterous. 
XXXX financing manger basically told my Attorney " drop off a check and we 'll release the lien '' ( copies available if needed ) in so many words. That then implied that THEY had the lien so the Attorney then focused on them. Then XXXX parties attempted to turn around and blame this whole debacle on me, the customer, ranging from I falsified my income to the undisclosed " we do n't take XXXX payments ''. This is my first car purchase and it has been a complete nightmare and still weighs on me. Something is not right here, and I intent to follow through to the full extent of the law. Neither party has apologized or even attempted to compensate for the absolute HASSLE this has been. I have yet, as of XXXX XXXX XXXX, to receive a denial of credit from Capitol One. Both Capitol One and XXXX have lost a costumer and gained a mighty negative story that I will tell to everyone I know, including the local news medias.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi my name is XXXX XXXX. Recently my step dad had a XXXX   XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX XXXX because of his XXXX XXXX. Long story short, we tried getting my mom an XXXX XXXX XXXX ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ trans union and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/trans union/ and my XXXX report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my credit ...

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 05/20/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Shopping for a loan or lease

Complaint: I applied to take over a lease on a XXXX vehicle with Ally Bank. There is approximately 24 months left on the lease with the aggregate payments amounting to no more than {$34000.00}. I submitted a credit application which Ally Bank rejected citing " credit experiences are insufficient for dollar amount requested. '' Meanwhile, in its rejection letter, Ally acknowledges that my credit score was XXXX out of XXXX. As indicated in my credit application, my annual income is nearly {$XXXX} ; I 've been employed with the same employer for over 13 years and resided in my residence for nearly 10 years. The only outstanding debt that I have is a student loan in the sum of {$50000.00} with no late payments and a car lease for one of my assistants from XXXX with {$3000.00} left. I have no negatives on my credit, I carry no credit card debts and all components of my credit are designated as " Excellent '' by all three credit reporting agencies. In fact, my credit score and income exceeds that of the original lease holder for the car. The only possible reason for Ally 's refusal to approve this transaction is either a racial and/or national origin bias. I believe that Ally is discriminating against me due to my XXXX ( the original lease holder has a XXXX ). Given the vast discrepancy between its explanation and my credit history, there can be no legitimate reason aside from discrimination. In fact, Ally has a history of discrimination against minorities with relation to auto loans, having had to pay over {$90.00} XXXX in 2013 as a result thereof. I believe that I am not the only person of XXXX having experienced this matter and know of at least one other who has excellent credit, but was denied an auto lease for the same or similar reason by Ally Bank. Furthermore, I had authorized Ally Bank to check my credit score once. However, it did so on at least two occasions, thereby negatively affecting my overall credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ZWICKER & ASSOCIATES (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife and I planed to have a screened in room built in XX/XX/XXXX, a man came out to my home from a company XXXX and went through everything with us the cost was {$10000.00} we signed paperwork for a loan from XXXX, we never heard from the bank or XXXX. 30 days later we received in the mail a bank statement for the amount of {$5000.00} to be paid to XXXX We called XXXX but could get any answers to why we own money come to find out XXXX went out of business and somehow had gotten money from XXXX ( scam ) and the bank is trying to collect money from us we hired a lawyer to look in to the matter but its been so long ago we though the case was done and free of the bank until it showed up on my credit report judgment XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eastern Revenue, Inc (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ive spoken to all three credit bureaus in regards to this matter and to no avail the matter still hasnt been handled. My complaint is in regards to the original creditor selling my debt to a third party and they are both still reporting the debt. First issue is the original creditor closed and sold the debt, yet they are still reporting to all three major credit bureaus and its hurting my credit, second, the third party collection agency are reporting a different open date, they are reporting a different amount than what the original creditor is reporting and they never sent out any proof of debt. By law, per fdcpa I have no obligations to the third party collection agency and I have a right as a consumer to protect myself and my credit. This is unlawful and inhuman to do this to an individual who is having a financially had time and to be reporting the same debt twice is hurting me financially, emotionally and physically. I cant move on with my life with these items constantly reporting to my credit. These items has to be removed from my credit report due to the violation ( s ). I am giving the respective companies 30-days to handle this matter, otherwise I will be forced to move forward legally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (WV).
Issue: Application, originator, mortgage broker

Complaint: RE : Predatory Lending Practices XXXX Loan ( XXXX XXXX Dear Consumer Protection Agency, I purchased my first home in 2007 in XXXX Virginia. As I am now speculating that I may have been a victim of predatory lending practices being approved at a high interest of 6.37500 % for 30 years. 
For the last two years or more, several unsuccessful attempts at a mortgage loan modification have been attempted. The last attempt at a mortgage loan modification has been especially painful with Quicken Loans for the last four months to be told that I have to wait until XXXX. All of the necessary documents were sent to them Quicken. All of the necessary documents were reviewed. They requested that I open a new credit card line, charge on it, and pay ... ..and I did. 
Through all of this, I have also been told that I should have been in direct contact with my loan servicer, XXXX owns my house. 
I can not say how tired of the run around I am getting now as a possible victim of predatory lending practices. I am writing a little desperate for help and guidance as the suspected outcome of all of this should be a loan modification with a lowered interest rate that might in turn drop my monthly mortgage on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account isnt mine. I am not sure where it came from but this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have insurance through the Veterans Affairs purchase offices. I am a XXXX Veteran and the issues of this company being paid by the purchase office of the VA care setting. This company cliams that the VA did n't pay them. They are charging me XXXX dollars and are harassing my employment, school, wife, and life. They are a comoany based out of their home. They have commited fraud and want an investigation into what their doing. Highly illegal practices. All three of my XXXX scores have been lowred by them. I 'm also military which have certain laws protecting me. I need help with this case please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home XX/XX/XXXX for {$59000.00} and I have only been late on payment XXXX time ( XXXX days ). I recently looked at my mortgage statement on XX/XX/XXXX and my balance is showing {$64000.00}. I have called and spoke with several people, I have been transferred to several departments, and even asked to refinance and put my appliances under warranty. I went as far as going downtown to get my original deed and suggesting that I fax it over so they can correct their mistake. The lady transferred me again and stated that the escrow department is closed and call tomorrow. I can say that everyone that I have been transferred to in the past week as been polite, but has not been helpful. They have offered others warranties, refinancing, and shopping for other home insurances. Now it almost XX/XX/XXXX and I still have not received a phone call back regarding how I purchased a house in XX/XX/XXXX for {$59000.00} and now it is XX/XX/XXXX and I owe {$64000.00}. Also when I called back in the earlier part of XX/XX/XXXX this year to inquire about this matter, I then receive my XX/XX/XXXX and XX/XX/XXXX mortgage note and it had XXXX. I pay $ XXXX/month and now my statement is saying $ XXXX/month. Please help me to understand what is going on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Account Number XXXX, amount of student loans totaling XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Navient misallocated my payments, steered me ; a struggling borrower toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans. Also credit scored dropped 46 points with XXXX  due to reporting from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for request for payment assistance from Wells Fargo Home Mortgage and was denied due to a processor, XXXX ( XXXX ), refusal to enter our financial information into the system so that it could be reviewed by an underwriter. XXXX stated that a colleague had reviewed the information and determined that we would not be eligible for any type of repayment assistance or any assistance at all to keep our home. I asked him on several occasions to please put our information into the system, and he refused. XXXX also stated that Wells Fargo would not be sending me any written correspondence stating that we were denied for any type of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I have been trapped and dealing with OCWEN since 2013 when I first lost my job. They said we needed to be behind on payments before we could qualify for a HAMP Program. We also hired a company that deals with OCWEN called XXXX XXXX XXXX, they told us along with OCWEN that they work together to help customers reduce interest, payments and ultimately save your home. We feel both of these companies have deceived and taken advantage of us especially by OCWEN saying they work with them. 

To date OCWEN continues to change the amount owed on our home, we have made our trial payments on three different modification plans, our interest rate to 4.6 % when in 2013 when we originally agreed to the plan it was 2.3 %, they extended the terms of our loan to 555 months even after paying on our original loan for over 8 years, they continue to add un explainable fee 's. We have not been offered any forbearance or any programs to help short term, they will not tell us why. Our relationship manager has changed two times and neither one would make effort to call us at times that were schedule by them or their staff. OCWEN continues to call 5-10 times per day saying that we need to make payment, even though we pay every month on time. OCWEN refused to accept our XXXX payment in any form unless we spoke with our relationship manager. We sent a check certified to the payment department, they recieved it but have not cashed it yet. 

Your help would be greatly appreciated, help with dealing with OCWEN and saving our home

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I spoke with the US Dept of Education in XXXX today regarding my $ XXXX student loan. They stated that they reported to the credit agencies way back at the end of XXXX, 2015, that my account was paid in full and that all remarks and negative history should have been removed. They said that it is the obligation of the Credit report agencies ( all XXXX ) to remove all information off my account permanently so it does not stay on my report for XXXX years. All this derogatory information is still on my credit report and it is now almost XXXX!! I have to move and this credit score is disrupting my life and unjustified!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Please see attached summons as proof of their negligence and storytelling abilities. I thank you for sending a timely response regarding a previous complaint, case number XXXX. I read the Banks response and they are not telling the truth when they responded that I was a third party to this matter and their claim to need more info. Deutsche issued the civil action summons docket # XXXX in person to the executrix. The summons lists me first ( as deceased XXXX XXXX 's heir ) and then XXXX XXXX as executrix XXXX 2015 for this mortgage. If i 'm a third party why am I listed first. XXXX XXXX is the servicer and they seem to be handling the foreclosure. I, along with the executrix sent proof multiple times of her role from the probate court as Executrix in order for them to talk to us. I still have n't been served only the Executrix in person. They give different fax numbers etc. The lawyers have not submitted any paperwork that was requested in our summons response.

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