milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Debt collection (Medical) with Grant & Weber (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Grant & Weber on XX/XX/XXXX and requested proof that this was my debt. I would like them to send me all the information pertaining to this debt. I do n't believe it 's mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: My mortgage payment goes through a company called SLS ( Specialized Loan Servicing ) and they have been making payments to my insurance company on my behalf after repeated requests to not do that. I have also been paying for my own insurance during this time so I am being billed twice. As a result I have had the payments that SLS made for me go into my escrow and it has increased my monthly payment tremendously to the point where I can't afford my payment. 

The real problem is that I have been on the phone with their customer support representatives and supervisors for countless hours trying to resolve it and I have been getting nothing but a run around. They don't ever return my calls from requests to speak to supervisors, they don't ever receive the letters that they ask me to send to be removed from escrow that I have sent in several times. And they never document anything we speak about for hours on end. 

I am getting nowhere with this company and I have no clue what to do next. If I make this payment I will not have enough money to live, and if I don't it will be reported that my payment is late and it will ruin my credit which I need very much. Can someone please assist me in having SLS cooperate with me. 

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 10-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a loan through Navient ( formerly XXXX XXXX ) and it has become one payment behind. I understand that they need to try and collect their payment, but they call XXXX times a day, and at all times of the day ( from XXXX to XXXX pm central standard time ). The loan was for XXXX XXXX XXXX in XXXX MO. The number that appears when they call me is XXXX. They never leave a voicemail, and the only reason that I know who they are is because I had to google the phone number to find out who was harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i bought a used XXXX XXXX XXXX onXX/XX/XXXX and had inquiries without my permission and a week later i had 12 hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX Equifax data does n't match so all credit apps are given false info and I cant get an accurate report cause the reports are incorrect.I cant dispute cause I cant obtain report Im authorizing my attorney to obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: I had an account with Bank of America for about a year. Up until recently it was closed due to the fact that it was overdrawn for about for months or so. The overdraft amount was XXXX and some change. Which all amounted, from thier overdraft fees which they kept adding for returned transactions. Now I 'm not at all denying the fact I have transactions that were returned due to insuffcient funds. However the reason the account was closed was simply due to the extented overdraft fees that BOA charged, which amounted XXXX. I refuse to allow them to falsly accused me of abusing an account. Which now un allows me to open any other accounts. I also had a savings account with them as well, they also reported that I abused that account simply because I did not put XXXX into that account within 4 months. I absolutely can not believe that this bank is allowed to do this! I accept my responbility in this matter. However I will not allow this bank to degrade my charater, simply because they closed my account, because of thier extended fees along with my returned tranactions.

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 01-03-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX has an account in my name that was not opened or used by me and was not authorized by me. I do n't even know how they can do this. I have ALWAYS had XXXX for the last 14 years. My phone number has never changed. Nothing was sent to my house as a bill. No email to inform me or I would 've notified XXXX immediately. It did n't even show up on my credit report until it was derogatory! It 's very poor business practice to allow a person to create a fradulent account and not investigate their credentials. I did not sign ANYTHING. I do n't know who did this or even how someone could possibly do this. This is not my account or bill. It should be removed immediately. It 's for {$2200.00}. It says XXXX XXXX in collections by XXXX XXXX. It was opened XX/XX/2015. Account # XXXX. I have disputed twice with XXXX and it says meets FCRA requirements! I do n't see HOW a fradulent charge can meet ANY requirements. I am extremely disappointed that XXXX XXXX could continue to charge me for this. They definitely dropped the ball on their end by not notifying me by mail, email, or my XXXX phone number of someone 's attempt at fraud involving me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I asked for proof of the debt they never sent it to me and now they put it on my credit report again after I disputed this with another company before this last XXXX and they still keep dragging my credit for an account they can not prove that is mines I never had XXXX in 2010 cuz I did n't even live at this address when they claimed I had this account and I want them to stop doing this to me

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company is reporting the incorrect balance to XXXX XXXX XXXX showing on my credit report. Please have University of XXXX do an Validation fo Debt.

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 10-02-2017 about Debt collection (Auto debt) with BB&T CORPORATION (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I XXXX XXXX desire to have a full accounting of a vehicle repossession from XXXX, including my balance before the repossession, and the price in which the vehicle was sold again at. Upon that time, I desire to work out a reasonable settlement with XXXX XXXX XXXX. Please respond by email through the Consumer Financial Protection Bureau at XXXXXXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX & XXXX we had experienced financial hardship due to unexpected medical bills for our XXXX daughter. We also most recently in XXXX have experienced a change of jobs and reduced income. For the last XXXX years we have applied for a loan modification with our bank XXXX times with no success. We were referred to you by a local attorney. 

Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (IN).
Issue: Application, originator, mortgage broker

Complaint: Me and my wife applied for a HARP refinance with  Quicken  Loans on  XXXX / XXXX /  XXXX  . Our application was denied due to our  credit score o f  XXXX . As stated on the     XXXX   website " Through HARP, you can get a lower interest rate ( which means less out-of-pocket costs each month ), get a shorter loan term, or change from an adjustable to fixed-rate mortgage. There 's no minimum  credit score needed, either . ". see below 's chat transcript. This is an email of the transcript I got directly from QUICKEN LOANS stating that they do infact " accept HARP refinances ''. I should have been approved for the next step, instead i was flat denied.   General Info Chat start time   XXXX   XXXX   XXXX      XXXX   XXXX    E ST Ch at end time   XXXX   XXXX   XXXX      XXXX   XXXX   E ST Duration ( actual chatting time )   XXXX    Op erator  XXXX   XXXX  Chat Transcript info : A team member will be with you shortly.   info : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window.     You are now chatting with  XXXX   XXXX .   info : info : Please wait while your chat is transferred to  XXXX   XXXX .   info : All team members are currently assisting other clients. Please hold for a brief moment. Thank you for your patience.   info : The chat transcript will be sent to :  XXXX  XXXX  XXXX  at the end of your chat.   info : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window.     You are now chatting with  XXXX   XXXX .   info :  XXXX   XXXX  : Hi, I just chatted with a gentleman about being declined due to our credit score. I applied for a HARP refinance. He said we were not eligible due to our credit score being  XXXX . I just read the HARP qualifications and i got this directly off  XXXX . -- -- -- - Through HARP, you can get a lower interest rate ( which means less out-of-pocket costs each month ), get a shorter loan term, or change from an adjustable to fixed-rate mortgage. There 's no minimum  credit score  needed, either.  XXXX   XXXX   XXXX  : OK there may be other lenders that follow those guidelines, but we may have some overlays.    XXXX   XXXX  : ok. What should i do now? Wait for a call or email?    XXXX   XXXX  :  Well I would co ntact the lender that currently holds your loan, unfortunately I have to follo w Quicken Loan guidelines.     XXXX   XXXX  : Ok, Thank you  XXXX   XXXX  : Thank you  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Struggling to pay mortgage

Complaint: Three years ago I received assistance to pay my mortgage for 2yrs. This should have ended XX/XX/XXXX. My mortgage company stated I was behind because I didn't pay XX/XX/XXXX. I determined that the last few months or so of the assistance the mortgage company Ditech increased my mortgage. I was unemployed and fell behintd on my mortgage. I asked for a modification and qualified. In XX/XX/XXXX I received loan modification paperwork from Ditech. I was able to make my 3 lowered monthly payments on time and qualified for the  modification. I completed the paperwork and sent it back to them. I never heard anything from them. This concerned me. I attempted to call them to speak on the matter. I was continuously transferred to different people and voicemails. XX/XX/XXXX I received a notice that they were going to foreclose on the home. I called and after being transferred 3 times I spoke with a young lady who was able to assist me. She stated that my modification paperwork was incorrect that my notary signed in two places. No one called or sent documentation to inform me of this mishap. I was unable to make a payment because I was not sure how much to send. The young lady sent a second set of papers I completed them and mailed them back. The young lady stated the amount I should make my future payments for. She stated that Ditech was at fault by not contacting me to advise of the incorrect paperwork. I called XX/XX/XXXX a month after sending the documents back and spoke with XXXX. I received another foreclosure letter. She asked why it took 3 months to send the modification paperwork back. I advised her to review the notation. She apologized and said that Ditech was working on the issue and was waiting for XXXX to agree to the terms. That XXXX was backed up and they could not proceed forward without them. She also advised me to disregard any foreclosure documents sent because it will take a minimum of a month to process the modification. On XX/XX/XXXXI received another foreclosure notice. I called and could not get anyone until XX/XX/XXXX. I spoke with XXXX who stated I should review XXXX hosted by XXXX XXXX. I advised that I wanted to speak to someone about loss mitigation. I had a representative named XXXX. At this point I do not know where I stand. I am unclear if they are going to attempt to foreclose on the house. The initial loan modification didn't occur due to their negligence. I feel they want my home and a purposely not assisting to ensure they have the property. They hard to reach, uncooperative, elusive, and do not return calls or voicemails. I truly feel that others must be experiencing the same issues with Ditech Home Loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Payday loan () with Risecredit, LLC (NY).
Issue: Charged bank acct wrong day or amt

Complaint: I received a loan from RISE credit, illegal in New York state, for {$3500.00} XX/XX/2016. After months of harassment and withdrawals from my account which caused me to incur overdraft fees, they sold my account to XXXX with a balance of {$4600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My account is Account XXXX XXXX with Navient, formerly XXXX XXXX. I have been paying on this loan for more than 10 years. My original borrowed amount was about $35K. Ten years in, my balance now says XXXX. I was in forbearance many years ago, right after I graduated, so I definitely incurred more interest and fees, but does it really seem reasonable that 10 years in I owe almost as much as I borrowed? I have paid over $25K and I know it was due to the forbearance, but I am wondering if there is any way to lower the principle I owe - I haven't missed a payment in over ten years. I am actually in a good place now and can even pay a little more per month, but does it really seem fair I will pay over $55K to borrow XXXX? Seems like loan sharking to me. Please let me know if there is anything I can do. I'm certainly willing to pay my full borrowed amount plus some extra for the forbearance, but this seems a little ridiculous. Thanks for any help. I have all records in my account. The loan company has some sketchy accounting so it looks like they are only charging me for the XXXX  online in my payment records, but you can see over ten years in, there is still a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Though I have flawless payment history, and have stayed under my credit limits at all times, the issuer has reduced my credit limits and negatively impacted my FICO scores due to credit usage. This is unfair, in that Ive stayed reasonably under the limits to avoid this problem, but when the company arbitrarily reduced my limits, the net impact on me was that my usage went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by virtue of the company reducing my limit. Ive complied with the companys policies, paid on time, never paid less than minimums, and not exceeed the limit, yet Ive been negatively impacted by the companys actions.

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 03/28/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (LA).
Issue: Problems when you are unable to pay

Complaint: out of the XXXX SENT a letter saying through they loan XXXX from the government to help pay my bills the only bills i had was XXXX XXXX credit card which was a XXXX no savings but talked me into years old i have no car no assetsand XXXX cable i have no good cridet no job just my SSI check XXXX permonth i am XXXX and i have severe health problems and i am going XXXX this is being type daughter i am XXXX they had me intial my name no signature and life insurance in amount of XXXX but the insurance company me down because i am so sick mental and body now they trying to make pay a XXXX loan and i only XXXX XXXX she wrote a check for XXXX and told me to go to there and cash and bring the money to her now they are sending collection letters saying i owe XXXX i am being robbed and i did not get that money only XXXX i have no asets no money this was predatory loan and thy sought me out and now they are tring to robb me and they are harassing me for a year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (HI).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo Mortgage chronically failed to progress and communicate the status of our XXXX mortgage loans with them and allowed their sub-contractor appraiser to miss several key completion dates that potentially jeopardized our purchase contract commitment dates. This compelled us to change airline flights and travel arrangements to avoid spending time in a hotel. 

Aside from all the angst we incurred a {$240.00} airline change fee as a result. Also Wells Fargo did not share/disclose the details for the second home rider until we discovered signing with a mobile notary. The conditions of the second home are stricter than what is provided for owner occupants and we believe these conditions to be unfair and information for this should have been provided up front. 

Lastly XXXX has missed XXXX dates they provided to resolve our complaints. They missed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 2016. In a Telecon on XXXX/XXXX/16 with WF executive team XXXX XXXX, she could and would not offer a commitment date to resolve our matters. We have lost confidence in Wells Fargo sincerity and ability to address valid customer concerns.

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 monetary relief
Consumer complaint received 07/28/2015 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind in payments because our XXXX failed, my husband and I were both XXXX employed and as economy got bad, XXXX business was no longer bringing income. we applied for loan modification a few years ago as we were working and able to start making payments again. I hired an attorney to help with the loan modification but it failed. I was told that my house is not worth the amount of the loan so I ca n't get modified. why was n't I offered a reduction or deferment so I can keep my home. I have enough income to make the mortgage payment.,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have made several contacts with Experian concerning my credit report update and score. Each time I have to request a new confirmation number. I have been unsuccessful in reaching out to them concerning my credit score over the last week which has not increased since clearance of debt on my account. Apparently it is remains in the lowest 600 or high 500 while the ratings from XXXX and XXXX  are now in the upper 700! I spoke with both XXXX and XXXX to verify after receiving a XXXX score from XXXX XXXX which was a combination of all 3 scores verifies that Experian has not updated my credit score. There are no liens, later payments excessive debt on my account to warrant such a low outlandish score!

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have been denied access to an ONLINE version of my Credit Report from the  XXXX  major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?

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