milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received an email from Fedloan Servicing that I needed to re certify. I tried to complete online and could n't so then I had to call to get the info sent. After I received the forms, I opened a chat window to get the fax number and was told by a customer service rep that I was sending the info to the wrong place. I mentioned that the emails and were from their website that asked me to fill it out, but did not receive any additional information from her, she just closed the conversation. So I have faxed very personal financial information WITH my SOCIAL SECURITY NUMBER VISIBLY listed to 3 different companies because in the meantime I received another email stating that my payments were going up because I did n't do the paperwork that they said I should n't have sent to them. FINALLY today I called after being locked out of my account and just asked if the paperwork had been received and was told yeah, we have it but it takes some time to process. STOP GIVING CUSTOMERS THE RUN AROUND. This has impact on our financial well being. I want to have 1 loan servicer, that does not change every 6 months making me fill out constant paperwork and continually threatening me with wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from this company demanding payment for a debt. As I checked my records I have never done business with this company and nor have they provided me with services or goods

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: On behalf of the XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXXCFPB-CFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXX Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXOCC Case Numbers-XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXScottrade 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.

Company response to consumer: Closed
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I disputed my negative accounts with Equifax. They deleted my accounts that were in good standing in the process. I then called customer service to request that the good items be put back on my credit report. They said that they would n't do it and were very rude to me on the phone. They deleted over 10 years worth of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: After defaulting on XXXX private loans provided by Navient, formerly XXXX XXXX, my loans were handed to XXXX XXXX, XXXX to attempt and collect the balance owed. In XXXX of 2014 I entered into a zero-interest reduction repayment plan with monthly payments of {$250.00} and an interest rate of 0.01 % on all XXXX loans. Two months ago after filing my taxes I realized my balance seemed significantly higher than it should being on this type of interest reduction plan. 

I called and spoke with XXXX XXXX, XXXX who verified I was on the correct reduction plan, but that only XXXX of my loans actually had the plan applied to it and this had been the case for the nearly three years I have been paying ; as such I am being wrongfully charged interest. I have been fighting with the company for nearly two months to correct the issue and I continue to be told that it is being taken care of, but then nothing happens. I 've now been told by XXXX representatives and their respective managers that the process is being started to request a correction to my interest rates as well as a balance adjustment, retroactively reflecting the correct interest charges dating back to XXXX of 2014. 

This seems like a direct violation of our contractual agreement regarding repayment - what, if any, course of actions can I take? I continue to be charged wrongfully on my debt - which is a significant amount of money based on the amount owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX, Specialized Loan Servicing LLC confirmed that the balance on my HELOC was {$0.00}. On XXXX XXXX, XXXX when my Title Insurance Company requested a written estoppel letter, Specialized Loan Servicing, LLC realizing that I was selling the home, now falsely represented that a balance of {$77000.00} was due and that unless I placed that into Escrow, I would be penalized by not closing the sale of the home. I have send numerous letters, third party authorizations, and they keep orchestrating the fraud because they know that at the end of the month, the Escrow may be released.

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 04/28/2015 about Debt collection (Credit card) with Allied Interstate LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Data Corporation (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Date XXXX/XXXX/XXXX amount {$41.00} at XXXX XXXX store NO. # XXXX XXXX XXXX XXXX XXXX WA XXXX. Cashier # XXXX My check was Denial on the decision of XXXX XXXX out of XXXX Texas XXXX XXXX. I have fantastic credit, home owner, with NO habit of writing bad checks and have money in my bank account!! call this company and all they could tell me is : well ... we have not check your bank account you just wrote to many checks for XXXX day! I wrote XXXX checks that day and that was my XXXX. ITS XXXX!! I am so upset! I stood in line to be refused by some that that company is BASE OUT OF THE XXXX ... .... named XXXX who 's ID number is XXXX I feel very violated, disrespected and been discriminated no base 's of facts!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Trouble during payment process

Complaint: I am being evaluated for a modification to a home equity loan I took out with Countrywide Mortgage proceeds used to pay medical bills for my XXXX XXXX XXXX. 
The loan I now know was a predator loan set up with variable rates based on the Prime rate. 

The loan was serviced by XXXX XXXX, XXXX who knew of my hardship and financial situation but never reached out to me to help during the time of the Making Home Affordable Programs nor would they provide the amount of the reset payment. I filed CFPB complaint # XXXX. My loan was transferred shortly after to be serviced by the Bank of America. At the time of transfer my rate was B 7.50 % which carried over to the Bank. 

It was very slow going with the Bank and I was not getting any answers to my inquiries so I filed CFPB complaint # XXXX. I have been working with a Customer Relations Manager ( s ) from the Bank since my complaint and provided them with the documents they requested. I am VERY CONCERNED about the outcome as their staff are questioning the documents and saying ; 1. The XXXX I submitted was not signed or legible, and was rejected by the IRS. 
When a financial friend submitted the same XXXX to the IRS, he received the tax transcripts the Bank needed. 
2. I submitted completed tax forms for the last tax year. My signature on the forms are being questioned because it different from my signature on previously submitted documents. Well ... I have a XXXX XXXX that causes XXXX XXXX, sometime not being able to XXXX XXXX XXXX XXXX. 

For the past two month I have not received my loan statements. I was not aware of the increase in my monthly payment and interest rate. There had been no increase in the Prime rate. So I called customer service to ask why the increase. I was given a reference #, told to fax my dispute to the Rate Dept. ( XXXX XXXX ) and call back the following week. 
When I did I was told the rate was where it should be. ( see attachments ) My rate had increased to 7.75 % from 7.50 %. I was never informed all this time of the increase. Prime had not changd so I continued to make the payments at the same amount as the previous months. 
This now reflects on my credit report as late. 

Now I know why at the biweekly phone conference why the CRM always asked had I made my payment just before he spoke about the new documents I needed to forward the Bank. 
I was in arrears, did n't know it and no one was telling me. I did n't have access to it online.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Back in  XXXX  I pulled my credit report from all  XXXX  agencies. I noticed incorrect info on my account such as address I never lived and phone numbers that did n't belong to me. I contact all  XXXX  agencies to add a fraud alert on my account since I believe I was a victim of identity theft. I noticed on my Transunion report multiple inquires that did not pertain to me. I sent a letter and followed up with multiple phone calls and I cant seem to get these fraudulent inquires off my account. Transunion keeps giving me the run around.   The inquires in questions are as followed :   XXXX   XXXX   XXXX /2016  XXXX   XXXX /2016  XXXX   XXXX   XXXX /2016,  XXXX  2016   XXXX   XXXX /2016  ( DUPLICATE )

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 01/18/2016 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (VA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: My complaint is for XXXX of XXXX, PA once a part of XXXX Colleges that forced me into getting a XXXX loan from XXXX XXXX XXXX. I have submitted a complaint in the past about my XXXX loan and have gotten no with it and now my loan was sold to another private lender Campus Student Funding LLC at XXXX XXXX XXXX XXXX. I have making payments none stop for almost 4 years now and my balance is actually higher now then it was when i was in school and from when i graduated in XXXX 2012. These high interest loans and the high cost of XXXX in general put me so far in debt that I was not eligible for a mortgage because my debt to income ratio was too high. Even with close to a XXXX credit score the loan officer was not able to help me. I pay all my bills on time but here pretty soon I 'm not gon na be able to afford the genesis loan that is now with the other loan servicer. This was unfair practice on the part of XXXX colleges and the XXXX lenders and now four years later I am still suffering from attending there. I never received anything saying that the lawsuit against them would help reduce my debt. I think XXXX sold the active accounts before they were able to be reduced. I think my loan should be reduced since i have not missed a payment since XXXX of 2012 and my balance is even higher now then it was when i graduated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had an SBA loan with Wells Fargo that has been discharged. They prompted the bankruptcy and have been notified by the court, my attorney and me. In XX/XX/XXXX I sent a letter again asking for the statements to cease along with a copy of the discharge. I continue to receive statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I currently have a Pick-a-Payment loan with Wells Fargo. Although this product is no longer offered through Wells Fargo, it has been grandfathered into their loan products.
My loan was originally with XXXX XXXX, when I discovered the negative amortization feature of the loan, and saw my principal consistently increasing, I attempted on eight different occasions to obtain a loan modification.
The first seven times I was told that my debt-to-income ratio did not allow me to qualify for a modification. I then did all I could to mitigate my circumstances, by going back to school and receiving a XXXX 's Degree in XXXX XXXX and a XXXX XXXX XXXX XXXX I have a four bedroom home and my adult daughters have moved back home to rent out their old bedrooms and help with utilities. My nephew has moved in as well and is renting our family room for his bedroom.
The last time I applied for a modification, I was told that my total income allowed me to make my Principal and Interest payments. However, the P & I that was used on the NPV worksheet, was the minimum payment {$3900.00} of the Pick-a-Payment loan, and not the full principal and interest which was {$5300.00}.
When I appealed their denial, based on the inaccurate P & I used, Wells Fargo explained that they were able to use the minimum Pick-a-Payment amount, and stood by their decision of denying the modification request.
The last three times I applied for a modification, I was told, and received a letter, that stated an Escrow amount for the property tax and homeowner insurance would be establish and last the duration of the loan.
Then after the denial I received a letter that stated I had to bring the escrow balance down to XXXX. To do so, the payments were spread over a set period of time and resulted in a drastic increase of my monthly payments.
After the appeal, I was told that they unknowingly had extended the Pick-a-Payment option and I would now have to pay the full P & I + escrow. This was an increase from {$3900.00} to {$6800.00} a month.
My extended family helped me to make the first two {$6800.00} payments, however, I have exhausted all of my resources and am unable to make another {$6800.00} payment. I am currently two months behind, and have over {$4000.00} in late charges. My original loan amount has increased by over {$100000.00}.
I desperately want to keep my home, and only want P & I payments that I can afford.
I read an article dated 2015 that explained the class action lawsuit you filed on behalf of Wells Fargo customers who have had similar experiences with the Pick-a-Payment loan, and was wonder if it 's to late for me to use the case for some type of recourse, so I can keep my home.

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 02/22/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX, I received a letter from XXXX regarding a debt. The debt was in the amount of {$14000.00} and from Midland Funding. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to Midland Funding dated XX/XX/XXXX, and a copy of a court document dated XX/XX/XXXX stating that the default amount of the debt from Midland funding was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with Midland Funding. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: This problem is STILL not fixed. No one except Equifax can pull my credit. All my information is correct per a phone call, I do not have a freeze per a phone call. I do n't understand why no one from the company has called me at XXXX. This is delaying my mortgage and is against the law. I feel I need legal representation because I am getting no where. Please have the executive office contact me. They also said they would mail me a report and did n't!

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. There is no balance due. 

Trans Union needs to report this account as settled, closed and remove the comment about it being in dispute.

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 01/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a rental property valued at {$50000.00} more than what is worth, tried to keep afloat by renting at much lower amount than my mortgage. In the meantime, my husband and I have used just about all of our savings to pay for other necessary expenses such as : property management fees, homeowners insurance, homeowners association fees and other expenses related to the up-keeping of the property. Throughout the months I have contacted my bank ( Wells Fargo ) seeking some assistance as to it has gotten harder and harder to financially support the avoidance of foreclosure but to no avail all I heard was to do a short sale or foreclose and was told you do n't qualify for any of the programs because your loan was not from XXXX XXXX or XXXX. Now, after struggling to make payments on time I have been late 2 times and they are telling me that because I was late I am not eligible for the program ... .very deceiving, called 4 months ago and was told that did not qualify for any assistance even if I was up to date now, because we were late 2 times we do n't qualify because of it. Getting assistance from family has allowed us to make payments on time but is getting harder since the situation is not getting any resolution. Please assist us in finding ways to continue to pay for the property at a reasonable price and to be able to avoid foreclosure since it does not benefit any participating party. We want to do the right thing!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX is reporting account XXXX as my account as a result of transfer from Bank XXXX XXXX in XXXX XXXX. This account is not mine and XXXX should remove it from my credit report. On XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from Bank XXXX XXXX. On XXXX XXXX, XXXX, the XXXX order the XXXX Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (NY).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: Key Bank credit-card customer service stated XX/X/17 my card had been "blocked" - that a "block" had been put on my credit card but could not explain why and/or the reason for this. Key Bank credit-card customer service also stated that in order to receive my new credit card (with new expiration date etc.) I must pay my entire overall balance in full.

Company response to consumer: Closed with non-monetary relief