milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: I have a HELOC in the amount of approx {$5000.00} managed by Specialized Loan Service, in my original complaint number XXXX i requested that they correctly record this lien XX/XX/XXXX. That actually happened XX/XX/XXXX. I received this response from SLS XX/XX/XXXX at my request to proceed with refinance keeping this smaller loan as a XXXX. This is a very vague non answer. I am looking to refinance approx XXXX on a property valued at XXXX. I feel this is a retaliation based on multiple calls, complaint here and with corporate office. SLS has never responded to initial complaint. Feels like shady business practice. By the way my XXXX score is over XXXXGood Morning, The CLTV requirement and the reason for the loan amount increase is a requirement from the investor. This is not an SLS requirement, but an investor requirement. The only way we can approve the subordination is if the new loan amount is at the lowered amount. I see that we received documents at the lowered loan amount of {$53000.00} and that sub will be approved and sent this afternoon. 

Thank you, XXXX XXXX XXXX XXXXSpecialized Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX complaint

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Federal student loan debt) with TRANSWORLD SYSTEMS INC (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have already filed one official complaint through the state of IL Attorney General office regarding a student loan debt collection. They continue to call me at work on the business phone line. The line they call is a business only line. What must be done to stop them from harassing me at work? Can you direct me to a legal channel because filing complaints has not worked. This has been going on for over two years. The last call I received was from XXXX from Transworld Systems. The person calling was XXXX XXXX. The call was at XXXX. on XXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Other debt) with ERC (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: 1. XXXX  said they sold the debt, making ERC a debt purchaser. 2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not XXXX. 3. XXXX  didnt sent billing statements to me because they entered or misspelled my home address. 4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 5. On XX/XX/XXXX I sent a debt validation letter after no ever receiving a correspondent from ERC or XXXX. 6. ERC partially responded to my debt collection letter. 7. ERC provided me billing statements that only listed a amount owed without a break down of chargers. It went from {$350.00} to {$700.00} without any billing marks or notations. 8. ERC did not explain and show me how you have computed the amount as requested on my debt validation letter on XX/XX/XXXX9. ERC did not Send me the copies of any documents that prove I agreed to pay the alleged amount or contracts as requested on XX/XX/XXXX 10. ERC did not Confirm that the account has not crossed the SOL period as requested in my debt validation letter 11. ERC did not Prove/show that they are a licensed debt collector as requested in my debt validation letter 12. ERC did not prove/show me their license numbers and registered agent as requested in my debt validation letter 13. ERC still reported on my credit report with out following all the legal steps and violated my rights as a private citizen. 14. Lastly the debt validation response they sent me only contained blank billing statements without any information on any of the amount they spoke of 15. ERC needs to removed this debt from my credit report until Im able to verify this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing LLC took an extra {$380.00} out of our checking account for the month of XXXX, 2015. Our normal payment is {$1700.00}, Green Tree upped the payment to {$2000.00}. We called and found out that a person with the same first and last name and a different middle name, home owners insurance was paid out of our escrow account. There was {$3000.00} taken out of our escrow and our mortgage payments were re-figured to cover the cost of the {$3000.00}. Green Tree told us we had to pay the extra {$380.00} to cover the amount taken out of the escrow even though it was their mistake. We canceled our automatic payments hoping this would be resolved by XXXX XXXX, 2015. Green Tree had n't collect the money from the other person by XXXX/XXXX/15 so we were required to pay another {$2000.00}. We sent a message to Green Tree on XXXX/XXXX/15. On XXXX/XXXX/15 {$3000.00} was put back into our escrow account. But Green Tree still owes us for the extra we paid in XXXX and XXXX. We were contacted by mail saying that they were looking into the matter and would get back to us in 30 days from the message we sent. We have never been able to talk to anyone other than customer service. Same with our attorney. The attorney called today and Green Tree stated that the money they owe us was taken care of when they deposited the {$3000.00}. back into our escrow account. 
This is the message we sent to Customer Service on XXXX/XXXX/2015. 
I just made another mortgage payment of {$2000.00} for XXXX mortgage payment. I also paid {$2000.00} in XXXX. The normal mortgage payment is {$1700.00}. This mortgage payment was increased because you paid for the other persons home insurance {$3000.00} out of my escrow account. When I look at our escrow account online, it does n't show any of the updated changes. I would like a detailed statement showing the changes. I would also like a check for the amount {$770.00} ( {$380.00} for XXXX and {$380.00} for XXXX ), to be refunded to me to cover the amount taken out of my checking account to cover your mistake. I am paying out of my pocket, for your mistake. This is n't right or just. I have hired an attorney and letters have been mailed and faxed. I have been told that the escrow account ca n't be adjusted until you receive the funds from the other persons account. Please have someone other than a customer service representative contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Ever since Navient took over for XXXX XXXX I have had issues. Navient has talked me into forbearance and defferment for years. Now my loan has majorly increased. I can not pay my loans due to making hardly any money. They give me no options but to keep putting it off. I recently went into a state with no forbearance time left and they gave me no other options but to consolidate. I see University XXXX XXXX has been sued for fraudelent claims to get loans and now Navient too? I would like to know what my options are at this point because I am drowning with no choice. Both being sued makes me feel as if I was totally in the middle of fraud. University XXXX would not allow me to finish my last XXXX classes to even finish my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Closing/Cancelling account

Complaint: Dear XXXX, I was wondering whether you can help me with my credit card issue with Barclay. 

I have a Barclay arrival plus credit card and paid {$89.00} anual fee for that card. In XXXX, the chip in the card was malfunctioning and I contacted Barclay for a replacement. I got a new card in early XXXX. Before I actually used this card, I received a letter on XXXX/XXXX/2016 stating that my account was closed due to account history. 

Please help. 

1 ) Refund the card fee : Barclay shall refund me the fee since the account was closed and no more service provided. 

2 ) Honor the bonus : I have points balance in my account ( equal to appx. {$180.00} ). I demand those money back

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 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (WI).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have reached out to XXXX XXXX for my Walmart Master Card account on  numerous occasions in the last few months. I have been a customer of theirs since 2013, and this XX/XX/XXXX experienced a severe amount of bank and identity fraud while my husband was hospitalized. A nurse on the unit had stolen his wallet and used his information and identity to open accounts, as well as access our checking account.

On XX/XX/XXXX my husband XXXX XXXX. It was not until after his XXXX that I was made aware of the fraud that had taken place, and was not in a position to handle it at that moment. However, I maintained contact with XXXX XXXX/Walmart attempting to make payments. Due to the fraud, our bank ended up returning 2 payments that I attempted to make. I reached out to customer service to explain the issue and was told to make payment in the store. I attempted to and was told payments were not being accepted ( holiday weekend ). At this point my only other option was to open a new checking account, transfer funds to it, wait for the funds to become available, and then make the payment again. Again, during this time I stayed in full contact with customer service to explain what steps I was taking and was assured no adverse action would be taken. I made a payment to my account at that time, for much more than the minimum required, and came to find that they had already closed the account.

At this time I reached out to customer service again, and was told by a supervisor to fax proof of the fraud and they would reopen the account. I was told today that this was not even possibility and I was essentially lied to. I need help.

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 04/17/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit card protection / Debt protection

Complaint: All of my bank accounts at Chase had the money transferred without my knowledge to different accounts leaving me with a {$0.00} balance in every single account I had with Chase. My credit card account was changed including updating my email and asking to have a fraud alert added to the account. Chase then proceeded to notify a XXXX party who was committing fraud on my account of my new information causing continued distress and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: bill pd on time! XXXX reports-XXXX never late- other over 30 dys

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 04-06-2017 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about XXXX in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX XXXX. Apparently XXXX XXXX sold or partnered up with XXXX XXXX XXXX in order to continue stealing students money right before the lawsuit or during the case.

Company response to consumer: Untimely response
Consumer complaint received 01/20/2018 about Debt collection (Auto debt) with AllianceOne Recievables Management (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am writing about the money which you are claiming on the above account. I can confirm that I am unable to pay the money which I owe in full. However, I can raise {$900.00} and I want to offer this as full and final settlement of the account. I am making this offer on the clear understanding that, if you accept it, neither you nor any associate company will take any other action to collect or enforce this debt in any way and that I will be released from any liability. If you accept this offer, please confirm that you will mark my credit reference agency file to show that the above account has been paid and closed. I can pay the amount I have offered within of receiving your written agreement of this offer with installment payments of {$10.00} a month until it is paid in full. Please give me details of how I can pay. I look forward to hearing from you. Yours faithfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern : I have reached out several times regarding my current credit report & Navient account standing seeking assistance to no avail. Please be advised I am writing regarding my former XXXX now Navient student loans. When the time to pay on my loans initially began statements were being directed to an invalid mailing address and email address as learned when speaking with a customer service representative. During the dialogue it was recommended to move the loans to forbearance to clear up the matter & I believed the issue was rectified at that time by a customer service representative. 

Additionally, later on due to a separation from my spouse I was no longer able to make the needed payments each month. Although, I made efforts to maintain and stay current to my best abilities during that time period. For that reason, a couple of conversations were had with XXXX representative ( s ) and it was suggested to place loans in forbearance again. Also by taking this measure I was informed by the representative ( s ) all past negative information related to the student loans would be brought up to date and not negatively reported on my credit files. It was my understanding the updates in the system had been addressed at stated, which were not handled as such. After some time passed I learned when I attempted to apply for a home mortgage there were several delinquencies associated that has been negatively reported on my credit report from the 2013 calendar year. I am being severely penalized due to misinformation given by a customer service representative. I have tried to work with customer service countless times and each representative will provide different information, which has not made resolving my concerns any easier. 

I am requesting at this time to have the delinquent statuses removed from my credit records. Your cooperation would be greatly appreciated. 

Best Regard, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (I do not know) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I am writing regarding this fraudulent company threatening and harassing me regarding an amount owed for the XXXX XXXX XXXX XXXX XXXX XXXX   for a property I have never owned and do not reside in. I have no ownership or responsibility to this property and I am demanding this business cease and desist further communication, delete my information from their database and correct all erroneous reporting with any credit bureau or agency that your business have provided FALSE information regarding me immediately. 

This is not my debt and I am very frustrated with your shady business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and XXXX personal loan accounts is listed on my XXXX XXXX, XXXX and Experian credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : PL 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 06/28/2017 about Student loan (Private student loan) with Pave, Inc. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: in XXXX I took out a loan from Pave for around {$12000.00}.
I paid it off in full in XXXX and received a confirmation email.
However, I paid interest during XXXX and XXXX and reported that on my taxes.
In the past 2 weeks, I 've tried repeatedly to get in touch with anyone at Pave via phone, and email but received no response. I can no longer log into their website. I am seeking tax documentation.
It feels very scary that they have been so unresponsive for over two weeks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had disputed the amount I owed to XXXX. The dispute was resolved in my favor. I asked Transunion to remove the " remark '' as it had a negative effect on my credit score. After contacting CFPB they finally did. Now the remark is back on my credit report, and my credit score has dropped again. So I need CFPB to AGAIN contact Transunion to have them remove the remark please. I hope that Transunion will get their act together. It is very frustrating and negatively affects how lenders may view me. 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 non-monetary relief
Consumer complaint received 07/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX accounts un the XXXX XXXX. of XXXX that are showing closed/derogatory. These accounts have long since been satisfied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In  XXXX   XXXX  I applied for a car loan with  XXXX   XXXX  which has gone bankrupt and the owner has been indicted on several accounts. Without me knowing was running my credit. I contacted Credco to see who they were and why they were listed on my credit report. I was told that they were used by the dealership. I was surprised because my credit was ran several times after my purchase unbeknownst to me. The dates are as follow :  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I need for all them to produce a signed contract which states that i gave them permission to run my credit so many times. I need the inquiries removed immediately Also  XXXX   XXXX   XXXX   XXXX  is who has my loan for the Auto I now own.     Thank you in advance

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 05-02-2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The account is closed and is part of a bankruptcy but still has a balance. This same account has a " XXXX '' balance on other credit reporters

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WI).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: I was recruited for my loan through the recruitment officer who came to the school to recruit me to go when I was XXXX years old and did not fully describe the details to the loan to my mother XXXX XXXX and I. I was talked into deferments when I was not fully explained that that would incur interest. Also when the company was formerly known as XXXX XXXX I would get phone calls from my mother 's sobbing because their employees of customer service would call my mother and threatened to take her house and threatened her financial standings and so I would then get talked into going into deferment and be talked into that over and over until my interest is now at 10 % or more and i incurred around {$10000.00} in interest as well and can not work in with any of the " education '' from this college either. The credits do n't transfer. This loan is HUGE so i ca n't get any other student either and i also was not made aware that there was other programs that it was possible i could 've qualified for that would 've helped me with my loan so instead i have now incurred quite a bit of Interest I also was not able to finish my degree fully due to severe allergic reaction at the college after XXXX XXXX threatened insubordination. This is after being recruited and now I 'm being told that college is closing.

Company response to consumer: Closed with explanation