milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2015 about Consumer Loan (Installment loan) with PNC Bank N.A. (KY).
Issue: Managing the loan or lease

Complaint: I took out this loan in XX/XX/XXXX for {$20000.00}. I have been paying the monthly amount of {$190.00}, with only {$61.00} per month going towards the principal. 

As of XX/XX/XXXX, the balance is approximately {$16000.00}. At this rate, it will take me another 12 years to pay this loan in full and at the end of the 20 years, I will have paid {$46000.00}. 

They have applied {$960.00} in late fees to the outstanding balance because I fell behind when I lost my job. I caught the loan up as soon as I was able to do so and have been current ever since. 

I am concerned that this is a " predatory loan ''. 

I look forward to hearing back about this loan in the near future. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 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 status incorrect

Complaint: This is a billing error dispute for my XXXX XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX  XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX  XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX Every month since XX/XX/XXXX, I sent XXXX XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I opened a  XXXX    XXXX   in  XXXX  of   XXXX  . Upon reviewing my hard inquiries, they did  two  credit checks on   XXXX /17    - one with   XXXX   and one with Transunion. I was told that there would be  one  hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.

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 07/27/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo Auto Loan collections dept. continues to contact and harass me regarding repayment of auto loan after 7 years of payment, garnishing my Wells Fargo checking account, ignoring payment agreements made through Consumer Financial Protection Bureau, and repossession of vehicle.

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 02/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loans have been with Navient a.k.a XXXX since XX/XX/XXXX, When I graduated in XX/XX/XXXX, I was told by a representative that I was not allowed to consolidate my loans, do an income-based repayment plan, apply for a forbearance or deferment, or lower the interest on my accounts. Over the past 7+ years, my loans have more than doubled. Going from {$47000.00} ( the original borrowed amount ) to {$97000.00} ( according to the amount posted on their site. ) When I spoke to the representative during that time, I was told that my monthly payment would be almost {$600.00} and I told them that I had only made about {$XXXX} working part time at XXXX XXXX. 
Now, my credit report is severely damaged as each loan is broken down as individual loans and not a consolidated loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AE).
Issue: Delinquent account

Complaint: Capital One has a rewards system on the card that I use with them. Because I am in an XXXX, I was not able to use my rewards feature. I asked them to change my Billing Address at the end of XXXX XXXX. In error they also changed my mailing address which caused me to never receive my billing statement. I noticed the absence of a Bill and signed up and logged into the online service on XXXX XXXX XXXX and noticed the issue. I immediately brought the account current and explained the situation to Capital One. Capital One has fixed my address and reversed the late fee but they never removed the discrepancy from my credit report to no fault of my own as they sent my billing statements to my home of record which all mail will be returned to them. They never called to inform of the problems they where having sending mail to my home of record. It is not my fault that I did n't pay when I never received a bill after they changed my mailing address in error so the late payment should not exist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BYL Collection Services (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to the XXXX XXXX in XX/XX/2012, and there 's a {$920.00} balance that I needed to pay, but I did n't know I have that payment because I moved to a new apartment. So, I did n't receive the payment from the hospital. During these past XXXX years, nobody contacted me about this, and I did n't receive any payment about this either. I received a phone call from XXXX XXXX on XXXX XXXX, they said XXXX XXXX forwarded this payment to them, so I have to pay it. I paid it immediately after I understood everything, and I paid it through the phone using my credit card. Also, they sent me a document receipt after several days. Recently, I 'm trying to apply a credit card from XXXX, and they reject me because they declare that I have delinquency history, then I checked my credit report. I saw BYL collection services as a negative account on my credit report. I called BYL collect to ask them to remove this negative account because I 've already paid it, and they said they no longer have this payment because they 've transferred this to another collect company, which is XXXX XXXX. They told me that I should call Experian to ask them to dispute my record. However, XXXX agency told me they can not mark this payment as paid because they have to get the prove from BYL Collect. After they get the prove, they will mark it as paid, so XXXX agency suggested me to call BYL to ask them to send a prove to them to prove that I paid. Then, I called BYL collect again, they told me since they no longer have this payment, and I paid to XXXX XXXX, so they can not do anything about this. ThenI called XXXX again to ask them if I can call XXXX XXXX, they said it 's not working because the negative account on my report is BYL collect. I 'm frustrated now because I paid my payment, but the bad record still hurting my credit report. BYL said they could n't help me, but the negative account on my credit report is still BYL collect. I do n't know what should I do now.

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 09-08-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Struggling to pay mortgage

Complaint: I desperately wish to stay in my home. I do not have anywhere to move to with my kids. I now have the money to make regular mortgage payments. 
I was in personal bankruptcy. The mortgage company, Caliber Home Loans, agreed to provide me with a loan modification on my home mortgage ( Loan number _________, Property : XXXX XXXX, MA XXXX_ ) so I voluntarily dismissed my personal bankruptcy case in early XXXX. I filed a loan modification application with Caliber on XXXX XXXX. Caliber agent XXXX ( ID No. XXXX ) advised me on XXXX XXXX that I only had two remaining documents to submit in order to complete my home loan modification. I submitted one document the lease agreement for my basement apartment -- on XXXX XXXX. The other document required verification of my wages -- could not be signed by a company officer from my company until XXXX XXXX because they were all on vacation. I have an email date stamp showing I submitted this final document on XXXX XXXX as I both faxed and emailed this document. Caliber Agent XXXX and Supervisor XXXX ( Agent ID XXXX ) just informed me it closed my loan modification application subsequent to XXXX XXXX. Caliber has a sale date of XX/XX/2017 to sell my home. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: API has been contacting me about a debt that they will not send me a validation letter for. They have started to call relatives that I would never or have ever used as a reference. They are calling well over three times a day. I have asked them to stop calling my place of employment as well as faxed a letter to them to stop calling my employer. The fax number they gave me was XXXX.They have threatened to sue me or freeze my bank account. This is becoming ridiculous ans stressful.

Company response to consumer: Untimely response
Consumer complaint received 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have NEVER LIVED on XXXX XXXX, XXXX, NY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been deferring my student loan for 5 years now. For many different reasons, but most of them are due to several XXXX issues. Issues that I could not describe in less than XXXX characters. I have lost my job in XXXX twice, due to budget cuts. I have been XXXX challenged in ways that have required XXXX, XXXX, a trip to XXXX XXXX, I could go on forever. Since Navient took over XXXX XXXX, they have been harassing myself and my family via email, usps, and phone calls. Four or five times a day. I have records of all paper and email. The email correspondence just requires a " yes '' reply to defer, but the phone calls keep coming, especially to my mother, who is in no way connected to my loans other than she signed for a private loans for books with XXXX XXXX, and that was paid off years ago. Again, I have proof. I feel that I am a number. That my medical condition in which has not allowed me to work is not considered. The interest keeps piling up, and the harassment to my poor mother who just had XXXX continues as they call her phone, three times a day, at least. Medical information can be provided upon request. Basically, I can supply any information needed. I do not feel I have been treated fairly, nor do I condone their harassment. Any and all feedback is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: According to the FHA guidelines, when an FHA Loan is acquired prior to XX/XX/2013, the Mortgage Insurance ( MI ) should be able to be removed if you meet the criteria of 78 % loan to value ( LTV ). I have 90 % LTV but I 'm being told I can not remove the MI until I have had my loan for 5 years. XXXX XXXX does not make the policies for the FHA Mortgage Insurance and are not following the guidelines stated by FHA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX Parent Plus Loans on one account with Great Lakes. They have always been paid in full & on time with auto-debit. In XX/XX/XXXX I started paying an extra {$200.00} as part of the auto-debit. Two places on the Great Lakes website state " once scheduled monthly payment & all outstanding interest has been paid, excess will be applied to the loan with the highest interest rate, thus costing you less interest over time. '' Also under " How Payments are Applied '' it states " When it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment 2. Principal of the loan with the highest interest rate ''. The {$200.00} extra was not applied as promised to only the higher interest loans which is going to cost me more over the life of the loan. XXXX of my loans have 7.65 % interest rate & the XXXX has 6.16 % interest rate. Great Lakes applied a portion of my extra {$200.00} payment to the loan with the lowest interest rate. In XX/XX/XXXX my payment of {$490.00} was divided so that the 6.16 % loan received a principal payment of {$100.00} prior to adding the extra {$200.00}. In XX/XX/XXXX I added the extra {$200.00} which non of that should be applied to this lower interest rate loan but the amount allocated to this loan went up every month even though the total principal amount is going down. XX/XX/XXXX, {$120.00} principal payment was charged & XX/XX/XXXX {$130.00} principal payment was charged. They are using my extra payment to pay down this lower interest rate loan! This is very wrong! How many thousands of people are getting ripped off?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I filled a complaint before seeking some documents from US Bank. I have since received such documents. This complaint is as a result of the information in the documents. 
====== I got a balloon mortgage in XXXX XXXX for {$290000.00} at 4.5 % with monthly payments of {$1400.00}. US Bank is the mortgagor. In XXXX XXXX, the balloon amount/remaining principal in the amount of {$250000.00} was refinanced at 6.135 % with monthly payments of {$1700.00} and the last payment was due on XXXX/XXXX/XXXX. 

The terms of the loan was changed without my knowledge or consent sometime after XXXX XXXX by US Bank - monthly payment was increased and loan maturity date was also changed to XXXX/XXXX/XXXX. 

Also, between XXXX and XXXX, my principal balance went from {$290000.00} to {$250000.00}. However, from XXXX to present, my principal balance only went down rom {$250000.00} to {$240000.00}. I know the interest rate went from 4.5 % to 6.135 %, but interest rate alone does not explain this minimal drop in principal. 

I have attached documents showing - Original balloon loan in XXXX for the numbers indicated above. 
- The XXXX refinance showing the figures indicated above. 
- The XXXX XXXX mortgage statement that shows my maturity date of XXXX, principal balance and monthly payment amount. 

Meanwhile, I applied for loan modification and was offered a XXXX loan with payments of $ XXXX. Also they may foreclose on the house. 

I seek a modification of my mortgage, balance and monthly payments reflecting the agreement I signed in XXXX. Also, I want to keep my house. 

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 10/31/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am victim of Mortgage Fraud perpetrated in XX/XX/XXXX. 
I was approached in XX/XX/XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties. 
I sent the US Attorney 's documentation to Chase on XX/XX/XXXX and my loan was transferred to XXXX XX/XX/XXXX as stated in a letter dated XX/XX/XXXX. I was still in contact with Chase as of XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am the parent of XXXX XXXX XXXX. I agreed to pay off the balance of her loan to American Education Services. I wrote a check for the balance of the loan according to my daughter 's records. The check was sent registered mail # XXXX for {$41000.00}. The check was returned with the message that the check needed to be sent to another address, even though that is where she sent all her payments since the mid XX/XX/XXXX with out any delinquencies. I sent another check with the new address and a new balance. I sent the check on XX/XX/XXXX # XXXX so that it would arrive before their deadline of XX/XX/XXXX. so that more interest would not accrue. The check was never cashed and the representative at American Education Services said they never received the check. My daughter then proceeded to call AES. The manager there could not have been any more rude and uncooperative. I sent a third check by registered mail on XXXX which they would have to sign for. It never happened.
I do not think anyone can realize how frustrating it is when dealing with an organization who is completely inflexible in dealing with a simple matter of paying off a loan. Even more ridiculous is the fact that she has had to pay at a 8.9 % interest rate all these years without any relief when interest rates are at an all time low. And now they are adding interest money each day to the principle as long as they can drag it out. My hope is that you can help us resolve this problem. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a complaint regarding our HELOC loan with Wells Fargo on XX/XX/2017 ( Complaint number XXXX ) and the issue is still outstanding. We received a letter from Wells Fargo on XX/XX/2017 stating that their goal was to respond by XXXX, but that it would take them until XX/XX/2017 to " complete their work ''. Today is XX/XX/2017 and we have not heard from Wells Fargo again regarding this issue. I want to make the CFPB aware that Wells Fargo is not keeping up with their finalization of this issue. I 'm attaching the letter that we received from Wells Fargo stating that they would complete their work by XX/XX/2017. 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 11-03-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: The US Bank changed my Business account which had no fees to a savings account XX/XX/2016. This change included the right of the bank to take out fees if the account operated with a balance of {$1000.00} or less. 
I tried to talk to their customer service person XXXX and was told the bank did n't change the account at first, but in the end of the conversation he admitted they had changed the account. 
This account is now closed as it went into an overdue amount. 
We did not give the bank the right to change the account as we only intended the account to be used by our start up business. 
Kind regards 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 11-11-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Seterus Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX. I have an automatic payment process through XXXX XXXX XXXX that pays them on the XXXX of each month for the upcoming month. In XXXX 2015, I mailed in a {$20000.00} check and wrote apply to principal XXXX places on the check as well as a letter stating the same. Seterus applied the check to XXXX future payments and applied only a portion of the check to overpayment. After numerous phone calls, emails and a letter from the Attorney General of Arizona my {$20000.00} was applied to principal. Immediately after, Seterus without my consent changed my monthly automatic payment and applied it to principal instead of payment and charged my a late payment fee. This is gone on every month since that and when I call I get statements such as " Your Bank is not paying right '' and " The computer made a mistake ''. Now their creative accounting applies the payment on XXXX XXXX to XXXX XXXX and XXXX XXXX to XXXX payment. This is incorrect and allows Seterus to ( wrongly ) collect additional interest. This company states it does not charge prepayment penalty but I feel this is what they are trying to do.

Company response to consumer: Closed with explanation