milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been getting calls from a Pioneer Credit Recovery ( a Navient Company ). They are continuous all day long. They say they are collecting on a student loan. They are harassing relatives of mine that have nothing to do with this. They are obtaining private unlisted numbers somehow. I did a little research on this company and it seems they lost their contract to collect on these loans because of their collection practices. So how is it that they are still operating? I would also like to send a written cease of communication notice to them but do n't have an exact address to send it to. They have several offices. I get calls XXXX. Is there a main/corporate office that I should mail the written cease of communication to? They have never sent me anything in writing about this matter at all, so they obviously have an old address although I 've lived at my present address for 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo in an effort to assume, modify or refinance a loan so I can keep my home. I have submitted documents as requested yet the lender is stating that they have not received the documents and or it has not been processed. My aunt recently passed away and I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I attended XXXX XXXX  University from XX/XX/XXXX to XX/XX/XXXX. My parents did not have enough money to send me to school and I did not get a lot of money through Financial Aid so I was forced to get student loans to better myself. I was able to get a couple Federal Loans through the school but the amounts that they approved me for did not come close to covering room and board, books and tuition expense so I applied with my grandma as the co-signer through XXXX. After college I had numerous student loans that each had to be paid individually and the interest was variable and was killing me so I in XX/XX/XXXX I got online to see how I could consolidate my loans. Some were private and some were federal. I found a site XXXX XXXX who got me in contact with Navient. Navient financed my loans and no where in the entire application did it say that signing up with consolidation would I lose out on my XXXX tax deduction for student loan interest. They are not sending me form XXXX so I called and their customer service will not help me at all. I feel like I have been done wrong here and all I am trying to do is pay back my loans. I have been paying for almost 10 years now and this company is completely taking advantage of me and my hard earned money ... can someone please help me or direct me in the direction. Nothing that I signed said anything about not getting this tax advantage. Why would anyone sign away that advantage because it is the only perk to spending thousands in interested every year. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WI).
Issue: Application, originator, mortgage broker

Complaint: I am trying to work with Carrington Mortgage to refinance my house due to my recent divorce. I started the loan process a couple weeks before my divorce. The took my information including phone number and email address. The mortgage company set up my refinance loan under my name and sent all the documents to my ex-wife 's email address and phone number. I have asked my loan officer 5 times to change my email to the correct email. To this day this has not been changed. We are legally separated now and they are sending important documents to the wrong person. I was also notified by Carrington that they have a Loan assumption program for the USDA loan. That is what my current loan is. They advised me to send a fax requesting the " package '' to be sent to me. That was two weeks ago and I have not heard or received anything. I then asked my loan officer about it and she informed me that they do n't have that option. I looked online and USDA does offer that package between myself and the lender. They are currently my lender so I should be able to assume the loan. They are also asking for an appraisal after I just had one done less than a month ago and submitted it to them. To top it all off I have called the business on many occasions asking for a call back and have not once received a call back in regards to my questions. I have a deadline to refinance by XXXX XXXX according to my divorce decree. I am afraid that timeframe will not be met based on the interactions I have had with this company. Between the lies, lack of communication or no communication for that matter I am getting frustrated with the process and do n't want to lose my home based on their performance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 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: Hello, I have contacted companies on my credit report that you ( transunion, XXXX XXXX ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX, its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with XXXX just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to transunion and XXXX when they investigated they removed and corrected debts not owed by meXXXX XXXX  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way XXXX. Thanks XXXX and transunion for doing your job and please delete XXXX XXXX from your files as well. 

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 explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXXnoticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.

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 02-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IA).
Issue: Money was not available when promised

Complaint: I bought. XXXX bitcoin in XX/XX/XXXX and used coinbase as my wallet. InXX/XX/XXXX, I realized how much money that was and tried to log back in to sell part of my bitcoin. Unfortunately, the email that I used was one I had just lost access to earlier that month. I emailed coinbase support on XX/XX/XXXX after taking all of the steps necessary to regain access to my funds ( set up new account, verified identity, linked same bank account, etc ). On XX/XX/XXXX I got an generic automated email back that did not at all acknowledge that I had already specified it was a 'priority issue ' so I emailed them back all of my information again. On XX/XX/XXXX I received an email that they were working with a 'specialist ' to finalize the transfer and that they would follow up as soon as the transfer was complete or if they had any other questions. I emailed them on XX/XX/XXXX to check for an update because I still had no money. It is now XX/XX/XXXX and I have heard nothing and still have no access to my money. From the moment I contacted them 5 weeks ago, I have watched my money diminish. I feel like I'm being intentionally made to wait and wait until my bitcoin is worth a fraction of what it was when I first contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I co-signed a student loan for my step-grandson so he could attend XXXX College in XXXX XXXX XX/XX/XXXX after being XXXX, after he graduated from the school he moved to XXXX XXXX and lived there. We kept in touch with him and told him that he would have to start repaying the loans soon, he refused to do so and to make a long story short he ended up on the street. XXXX XXXX kept hounding us about the loans and would take no action or attempt to locate XXXX so to protect our credit rating we made the loan payments and continue to do so. We started making payments XX/XX/XXXX and have to date paid {$20000.00} on an original balance of {$44000.00} and the balance of that loan is still {$40000.00}. XXXX has been diagnosed with XXXX living on the streets somewhere in XXXX, he does receive Veterans benefits but we have no contact with him. He is very belligerent with us and refuses to pay or discuss the loan with us, he says we owe him an education, he refuses to work and prefers to live on the street. I have tried working with XXXX XXXX and more recently Navient for many years to try to get some kind of relief for us. My wife and I are both XXXX living on social security and a very small investment account that will now run out much sooner than expected. We have in the past tried to talk with Navient about a possible settlement on the loan so as to not hurt our credit rating and they say it has to be in collection and be at least 3 months past due before they would discuss any kind of settlement or reduce the loan. I also do n't remember signing any of the loans except for the original one, we found out after we started to repay the loans that XXXX also received loans to cover room and board and expenses that we were not aware of at the onset, I believe that XXXX College was very underhanded with there issueing and disbursing the loans. I hope there is something you can do to help us. The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company never informed me of any such debt but has accounts in my name on my credit report from XXXX. I have reached out to this company years ago XXXX/XXXX/XXXX to get this removed and I was told it was taken care of. Today XXXX/XXXX/XXXX I speak with a XXXX at this office and I am giving her information about this account and she acts rude as if she did n't want to give me her name and cuts me off several times before I can finish my full story. Then she just leaves the phone and put another person on the phone playing as a manager. XXXX XXXX. He was a better listener to my concerned however all information he provided of me was INVAILD. The medical bill that I was being billed for he did n't even have my insurance information correct. But tells me he ca n't do anything to resolve the information. All collections agencies by law are suppose to provide me such information showing what I owe how and why. He did not offer a dispute to contact the original biller or anything. He listen to what I had to say but came across unhelpful and extremely rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-12-2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Customer service / Customer relations

Complaint: Two checks I sent were cashed but not posted to the account. I do not know what they did with the money. I filed a complaint with the Office of Consumer Protection of XXXX County, Maryland ( XXXX ). They have all the information. and sent 2 letters to Chase but got no response - I had also sent two letters but no response except for more statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: There is no way you can speak to someone when you call OCWEN. Their offices are overseas in XXXX and you can not understand them. My payment has to be in by the XXXX of each month. I mail the check each month now because they could not get the electronic payment done right either. They, this month XXXX 2015, want to charge me a fee of {$40.00} for their inability to process my paper check. When a check is received by mail, and of course with the US mail so messed up who can say when they will receive your payment.. I mailed my payment on the XXXX of XXXX they received and posted it on the XXXX, the check was to be deposited on the XXXX.AS IT WAS DATED so when it went through my bank 2 days early my SS check was not in yet and OCWEN charged me {$40.00} b/c their people do not know what they are doing!! and it was returned for non sufficient funds by my bank. I used to pay online and then they wanted to charge a {$10.00} fee for that as well. When you are on a set income it is hard to survive in this dog eat dog world. I have never missed a payment or been late with anything UNTIL OCWEN. Someone needs to go in and close their doors or maybe bring them back to the XXXX to be serviced.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (OK).
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 was part of the Midland Credit Management TCPA Class Action Lawsuit Settlement. Midland is not following through with the ruling as to removing negative information and still reporting negative and inaccurate information. Midland Is continues reporting a recent balance of {$360.00} on the account XXXX on my XXXX and XXXX reports showing a date opened of XXXX 2013 also would not show proof or validation of the alleged debt and numerous harassing phone calls with that and also another alleged Acct. XXXX in the alleged amount of {$870.00} which this account would also fall under the TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: On XXXX/XXXX/XXXX, I consummated a Home Equity Conversion Mortgage ( HECM ) Loan with XXXX XXXX XXXX in the amount of {$350000.00} with an interest rate XXXX XXXX 

The loan is based on an appraisal performed by XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX was hired by XXXXXXXX XXXX XXXX and appraised the value of the property at {$230000.00} Foreclosure Action Against Me On XXXX/XXXX/XXXX, a Lis Pendens and a Foreclosure Complaint were filed by XXXX HECM Acquisition Trust XXXX ( who bought the mortgage from XXXX XXXX ). 

The complaint contains 3 different allonges to the note and mortgage assignments that show ownership was transferred multiple times. 

The first Allonge and mortgage assignment appears to have transferred ownership of the note from XXXX XXXX XXXX to  XXXX XXXX XXXX in XXXX. 

The second Allonge and mortgage assignment indicate the note was assigned from XXXX to XXXX XXXX in XXXX. I was not informed of this transfer. 

The third Allonge indicates the note was endorsed in blank by XXXX  XXXX. the third mortgage assignment indicates the mortgage was assigned to the XXXX XXXX XXXX in XXXX. I was not notified about that transfer either. 

Transaction History I requested a copy of the transaction history from XXXX  XXXX. However, it was incomplete. The transaction history begins at XXXX/XXXX/XXXX and ends at XXXX/XXXX/XXXX. This would make validating the amount of the debt almost impossible. There is also no indication of me not paying my taxes or that XXXX paid them. 

After XXXX began foreclosure proceedings, I began researching my loan because things that XXXX was alleging in the foreclosure complaint did not seem right. 

First, the legal description indicates the lien was not properly conveyed to the property. The legal description on the mortgage does not match my deed. 

At some point during the origination of the loan in XXXX of XXXX, XXXX XXXX XXXXl committed mortgage fraud by giving FHA fraudulent information about this loan to get it approved. 

XXXX XXXX XXXX gave me a reverse mortgage in the amount of {$350000.00} on a property valued at {$230000.00} according to the appraisal supplied by XXXX XXXX. 

Being XXXX  years old at the time of consummation, I was only eligible for a maximum LTV of 55 % of the value of {$230000.00}. My reverse mortgage should have only been in the amount of {$120000.00}, not {$350000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Commonwealth Financial Systems , Inc. of XXXX XXXX, PA had sent me a collections and verifications notice as to an unidentified debt for a physicians service of which is unidentified and unknown to me. 

I have responded to the 30 day letter disputing the matter however upon checking my credit reports they have posted negative marks against me as to collections. The date of their notice is XXXX XXXX, 2016 and the derogatory credit posting is XXXX XXXX, 2016 almost 30 prior to contacting me. This is in full violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) since I have disputed the claim and requested validation. This agency has violated sub section as to reporting inaccurate information as to credit reporting agencies even prior to contact me as to the validity of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My Broker and I contacted a manager at Freedom Mortgage on XXXX/XXXX/XXXX asking about if they would be sending the XXXX Tax payment in. We were told that it was to be mailed out on XXXX XXXX, XXXX, upon which we told them that that would cause it to be late. I told them that I would go and pay it so that my loan would be able to be closed. I did and have copies of the paid receipt from XXXX XXXX XXXX XXXX office and also the front and back of the check. I contacted Freedom Mortgage on XXXX XXXX, XXXX and told them that I had paid the taxes personally and they said that they mailed the check to the tax office on XXXX XXXX, XXXX. I contacted the tax office on XXXX XXXX and they had not seen anything from them. I called Freedom again on XXXX XXXX explaining the situation again and this time was told that they see there was a stop payment put on the payment and to give it 14 days. I called the tax office again today XXXX/XXXX/XXXX and they still have not seen anything from this company. I have sent XXXX emails, with no response, but have received a letter from them on XXXX XXXX and again on XXXX XXXX saying that they are reviewing the information that I provided. The loan closed on XXXX XXXX and they have been paid in full. I just want to get my {$1500.00} back that I overpaid. I feel like I 'm getting the run around. They have had everything they need to resolve this issue. 
Thank you,

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 04-04-2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On the evening of XX/XX/XXXX about XXXX XXXX. I tried to open a savings account with my current bank of 8 months -- Bank of America. The account was approved and I XXXX from BOA of XXXX tried to transfer XXXX from my XXXX XXXX XXXX XXXX debit card. He informed me that the transaction would not go through because BOA doesn't like or take that type of card from that institution. I've never run into this type of problem with my XXXX XXXX debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. 

What happened next is XXXX ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. XXXX will not give it back with out BOA writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, BOA, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I  did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money.

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