milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: House was scheduled for foreclosure auction XX/XX/XXXX. Does not appear that this happened. I just got a letter in the mail saying that I sent Wells Fargo documents allowing another company, the one that has caused all my problems including this foreclosure, to receive information about my mortgage account. I have never sent any such thing to Wells Fargo. Furthermore they refuse to discuss the account, MY account with me. This is as shady as it gets.

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 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CHOICE RECOVERY XXXX. XXXX this account is a XXXX XXXX violation please delete.I have a a unverified account from CHOICE RECOVERY XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY XXXX and I believe it is a XXXX XXXX violation. I request that CHOICE RECOVERY XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: XX/XX/2018 I am complaining about Experian. This company sold me a credit reporting service promising I could cancel at any time. Well the only way to cancel is by telephone. When you call the required number they do not answer the phone. They put you on hold for 2 and 1/2 hours. Then when the promised time comes up, the phone gets disconnected so you have no way to cancel. 
Because of this I cancelled the credit card they had on file. Then Experian used there credit monitoring service to get payment from a completely different card that was not authorized to be used. Is that not illegal? To use their credit monitoring service to access a persons credit report. Use a credit card number that they are not authorized for payment and then take money!!!! This company is a a predator.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: Bank of America charged a {$35.00} fee on a cash transfer -when there were available funds-, causing my account to drop into the negative. After contacting BoA, they admitted that yes, they applied this fee to a cash transfer when there were available funds, yet refused to return the fee. I went to management, and filed a claim through their process which they then denied. I have a copy of the online chat with their representatives and a screen capture of the charges applied to my account. I do not understand how this is not flat out stealing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: FedLoan Servicing/Pennsylvania Higher Education Assistance Agency has lie d to me on numerous occasions with regard to whether my payments qualify for t he Public Service Loan Forgiveness program. In a pho ne call in   XX/XX/XXXX   a representative for  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  told me that  only three pa yments during my time with my current employer would count toward the 120 required payments to quality for loan forgiveness. She told me that the payments must be consecutive and that each forbearance or missed payment would restart the count. This is a lie. When I found out that she, representing  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency,  had lied, I called back to let them know I was aware that the company deliberately misled me. I was told in mid  XXXX  by a different representative to resubmit my payments for review. I was again told that my payments during my current employment did not qualify. This time the reason was that I had paid  XXXX  short of the amount due. No one would ever pay less than a dollar of the amount owed. They could n't even come up with a decent lie. I am unable to address this because only the five most recent payments I 've made are available on the website. Only the most recent statement is available. I have been paying loans since  XXXX . Luckily, I keep screen shots of all my payments. The representative said that it must be an issue with my previous loan servicer. That is also a lie.  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency ha s been my loan servicer since well before I started working at my current employer. In fact, they approved every  one  of my payments at a previous employer with no trouble. Their efforts to exclude the payments I have made toward my loan balance at my current employer is baffling. In addition, I was advised not to pay more than my income-based total so I would " not seem as though I did n't need it, '' the it meaning the  Public Service Loan Forgiveness program. At no point was I made aware that my overpayments could be put to ward the principal balance. Rather than apply the extra amount paid toward my principal balance,  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  instead reduced my amount due each month so that  I at one point had a balance due of {$0.00}. The practices of FedLoan   Servicing/Pennsylvania Higher Education Assistance Agency  are predatory and illegal. This has happened because the federal government privatized and outsourced its loan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (WY).
Issue: Struggling to pay mortgage

Complaint: Sold my house on XX/XX/XXXX without following legal procedures : did not notify me of sale date or pending foreclosure by certified mail, and did not publish the sale 4 consecutive weeks before sale. Sent me letters that took an unexplained and unacceptable amount of days even for the US Postal Service. One took 14  days and the other took 10 days.

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 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX : It is an account that has never been mine and do not recognize at all, I have already disputed such account so the error could be fixed but no respond. Please remove account error from my report.

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 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to XXXX, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to XXXX balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now XXXX balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, Transunion, XXXX XXXXXXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with Transunion before they added all of my accounts that I paid down to XXXX, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to XXXX, and XXXX this is so frustrating.

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 07-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a XXXX modification that took off {$10000.00} off my loan. I originally bought my house for {$110000.00} now my balance is {$84000.00}. I asked Nationstar to please remove my PMI since I am 75 % into the loan. They originally told me it would be automatically removed XXXX/XXXX/2017 or pay 20 % of the total loan. They are now telling me since I got my home modified XXXX they will not be removing the PMI because that was my original loan not my modification. This is all not making any sense to me. I am not trying to pay anyone to re-appraise my home and I did n't think it should matter. I am NOT delinquent on my loan. All this do n't make sense if I got my loan modified. Modification is suppose to help me afford my home. I 've been in my home for 9 years and I 've been paying a PMI of $ XXXX on my mortgage. Please help I am truly frustrated and I feel the Mortgage company is trying to get over on me. I 've never refinanced my loan just a modification was done.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My husband passed away and I am unable to continue to make the monthly payments, without his income.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I originally only borrowed about XXXX in student loans while in college. I XXXX in 2009 and have had trouble paying them back. XXXX XXXX now Navient never told me about lowering my payments or doing options other than forbarence. I could have possibly made a lower payment but they always just suggested forbarence so that is what I had to do. I did it until I could n't do it any more and now I owe over XXXX. This amount is obsured. It literally causes stress every day. I heard from a friend last year about PAYE and I signed up for it through the federal website. It automatically put my loans through fed loan servicing and now I owe them XXXX and not Navient. Navient misled me when I could have made cheaper payments and I do n't feel I should have to pay back my total loans because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: For years XXXX XXXX was charging me a 9 % interest rate on my largest loan, and always told me there were no options for lowering this interest rate. Thankfully XX/XX/2015, my parents were able to pay off that loan by refinancing their home and taking out an additional {$36000.00}. 
I work a seasonal job and earned very little XX/XX/XXXX or XX/XX/XXXX, just barely enough to cover my rent, car and food. Navient, who now services my loans, is telling me there are no options for postponing or reducing my payments, so after years of paying on time and working hard to make payments worth hundreds of dollars every month to this company, they have no options for me except to just become late on my payments, be charged late fees, and have damaging information added to my credit report even though I have taken the time to contact them for help. 
It absolutely brings me to tears to think that all of my hard work to try to improve my life has just ended me as an indentured servant. I would n't be able to qualify to buy a home, or be able to afford having a child, let alone dream of saving for retirement. 
It seems like after having this monkey on my back and already struggling for 12 years, there should be some other option for me than bad credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (IL).
Issue: Account opening, closing, or management

Complaint: PNC charged XXXX-XXXX dollar late fees on a equity line of credit. 
PNC bought National City Bank. PNC accepted the terms and continued collecting payments for years on this acct The payment has always been due on the XXXX of the month as the online webpage states and shows that the payment is due on the XXXX and shows how much to pay also. {$40.00} was charged as a late fee XX/XX/XXXX, before the payment was due by PNC. See the copy of the webpage and my previous payments for payments made by me. PNC charged XXXX dollars again XX/XX/XXXX when the website show conflicting information ( due date on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I have been charged XXXX dollars for XX/XX/XXXX If PNC will allow you to login to my account. you will definitely see the conflicting website due dates and amounts. 
Should PNC have to honor my agreement with National City.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: A payment of {$1500.00} was sent to Ocwen on XXXX/XXXX/15 as an additional principal payment on my loan. another payment of {$1800.00} was sent on XXXX/XXXX/15 as the actuall mortgage payment. Ocwen added a fee of {$49.00} to my statement assuming that the {$1500.00} was the true mortgage payment of {$1500.00}. They adjusted it, yet continually re-add the {$49.00} fee to my statements so my principal balance is always {$49.00} higher than should be. 
In frustration I sent a letter to ocwen on XXXX disputing, and they continue to say account is corret.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016 our mutual client received correspondence from Wells Fargo stating that they had received our request for a short pay off. They stated they needed a Letter of Hardship and Verification of funds which was sent and received on XXXX XXXX, 2016. The letter also stated that it would take 60-90 days to review for the request. As we waited for a response we never received any updates or response from Wells Fargo until XXXX XXXX, 2016 declining our request. The borrower showed a valid hardship which included the death of their only daughter. The borrower also requested to settle the debt for {$450000.00} which is more than a considerate amount. Before he knew it there was a sale date of XXXX XXXX, 2016 placed on his home and he scrambled to gather documents for a loan modification because he so desperately wants to keep his home. After submitting all the requested paperwork by XXXX XXXX, 2016, the investor has still denied any review for retention options. Wells Fargo re-entry team has denied all retention options for the client for no reason. The borrower has sufficient income and provided all the documents in a timely manner. Due to Wells Fargo not getting back to us within the expected time frame we are now here at this point. Wells Fargo has violated CFPB rules and regulations and has continued to do so without repercussions. There is a good reason why they seem to be on the news every other day about lying to borrowers and not having their best interest.

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 11/22/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: I purchased a flood insurance, not required by my mortgage company. I had a flood and got a check for {$32.00} in XXXX. I have been stonewalled by my mortgage company ever since and have not been able to cash the check. I rebuild my house as a owner/constructor and should be able to fix the damage myself. I have all documents to prove that I was my own construction company. The mortgage company will not respond to any of my correspondence XXXX XXXX, XXXX XXXX XXXX, a XXXX XXXX supported lawyer company. 
I was in foreclosure, through XXXX I am no longer in foreclosure and has not been for a year. 
My foreclosure lawyer also tried to help me in this matter and he got stonewalled as well. 
I do not know how to or where to go for this matter to be dealt with and hope you can help me so this matter will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit agencies XXXX, Transunion allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine its now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.

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 07-06-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: One of my accounts ( XXXX ) is not showing on my Equifax credit file. I spoke with several XXXX agents in their credit reporting department and they assured me that they are sending the same information to all 3 credit bureaus. My account is showing on XXXX but not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was sent a letter from XXXX XXXX Indicating that I owed them over XXXX from Navient. However I am in good standing with Navient and after checking my account on Navient 's website I saw that my next payment would be due in XXXX. I called and spoke to a rep. who never answered any of my questions but repeated what I said and kept trying to get me to pay a debt that I do not owe. The default date according to XXXX XXXX was XXXX/XXXX/09 which is well beyond the statue of limitation in NY and it should not be collected on at all. As the debt origination date should be well before 2009 if it is at all valid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX Card XXXX was disputed for accuracy with claim XXXX. 
Date Opened XXXX/XXXX/2008 is incorrect and not verified. No copies of signed contract supplied. 
Date Last Activity is blank and incomplete Charge off Amount is Blank and Incomplete CRA XXXX XXXX XXXX XXXX ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (I do not know) with National Principal Group, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Principal group company on my cell phone first there automated messages stating to contact them or my legal advisor. The second I spoke with a gentleman name XXXX stating I owe a pay day loan from 2010 and he had my name the last XXXX digits of my social security and the name of my bank and the wrong last digits of my account. He stated I owed {$700.00} and XXXX XXXX dollars is late fees. Also, stated I can just pay {$300.00} and I told him to send me the information e-mail. I received the e-mail and the only way I could open the attachment if I entered the last XXXX digits of my social security number. I never applied for a payday loan from the company he stated XXXX XXXX. The call is fraudulent using my information.

Company response to consumer: Closed with explanation