milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Debt collection (Private student loan debt) with GC Services Limited Partnership (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, 2017 : In an attempt to pay off this loan with assistance from a family member, I called to get my balance. It was quoted as {$8300.00}. I questioned the balance because I am being garnished for this debt. I was advised by XXXX XXXX of GC Services that I could see my debt and payments by going to www.myeddebt.ed.gov I had NO knowledge of this site before being given this information. Upon going to that site, my report indicated the balance as {$6400.00}. A payment of {$6400.00} was made. There was still an unposted garnishment payment. I was then told there was a balance of {$1100.00}. That amount was then paid. Another payment was made. It seems their " collection costs '' have amounted to over {$2000.00} on this balance. It never gets smaller. Every day they add fees and charges on claiming 'THIS IS YOUR DEBT AND FEES ARE CHARGED DAILY UNTIL IT IS PAID IN FULL. '' There is no way to get to {$0.00} with this company. The stress has affected my health. Prior to going into garnishment I was making small payments until a medical situation caused me to go into default. I submitted documentation to this company more than 4 times via certified mail. Every time I submitted something, they wanted something else. Then they decided to serve a garnishment. The more I asked how much do they charge in collection fees, the more they blew me off. I was told their fees are NOT included in my report of payments received yet they sent me the same info with nothing indicating they charge a separate fee and the percentage of that fee. I need these people out my life asap. The Dept. of Ed. needs to look into the companies they are using as servicing agents and the amount they are charging consumers. It 's no wonder people remain unemployed and do not become home owners. The fear is there! I feel their collection tactics are unacceptable as is the amount they are charging to collect these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX 2016, I entered into a repayment agreement with Navient concerning three private law school loans totaling almost {$30000.00}. I agreed to pay {$200.00} a month on the XXXX of each month, and in exchange, Navient agreed to lower my interest rate to .001 % after three timely payments. I have made 18 payments now of {$200.00} a month, totaling {$3700.00}. Despite the repayment agreement and on-time payments ( which Im continuing ), Navient refuses to send to me a pay history showing how my balance is declining or how the payments are benefiting my bottom line. Even worse, Navient still shows my account as past due and continues to report it to the credit reporting agencies that way. I have asked them to correct this, but they refuse representing that the prior default has not been remedied. This makes no sense and is violative of the FDCPA and other statutes because we entered into the XXXX  2016 repayment agreement which supersedes the prior repayment arrangement and remedies any outstanding default.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: I went through a 6 year Chapter XXXX and during that time my loan was sold several times. Eventually Seterus had my loan. I have ben out of the BK for 9 months and in a trial loan payment for 7 months. The trial payment was supposed to be for 3 months then the loan modification would give me a new loan. Seterus gives me the same story each time, The loan department is backed up and will get to your loan very soon. I concerned that communication with responsible persons at Seterus is almost impossible. XXXX XXXX Seterus Loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: Open an business account with PNC, and after half years find out was charge XXXX dollars for service fee without any service, or authorization. I was told there will be no fee associate with the accounts, and it has XXXX account number but counted as XXXX. The fee is waived since I have a merchant account. However the merchant is never setup, the person in charge of my account setup has left despite my mulitple request to set up by emails and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: NOT MINE, NO LEGAL CONTRACT, not authorized, no knowledge of this account. I have this negative account reporting on my credit report the account is reporting negative information and the account is saying I had it and its been open for 23 years .If you do the math I 'm XXXX XXXX XXXX today if I opened this account 23 years ago that makes me XXXX XXXX XXXX XXXXCAN YOU PLEASE TELL ME HOW CAN A XXXX XXXX XXXX HAVE A CREDIT CARD IN THE USA.I CONTACTED COMPANY about this several times and They told me I 'm responsible for the account even after finding I was only XXXX XXXX XXXX at the time this account was opened .This is just ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, Ocwen Loan Servicing sent a notice regarding a settlement that I was eligible to participate in. The claim form was returned before the deadline. I spoke to someone who confirmed that not only was the form received, but they also gave me the amount I 'd be receiving. 
XX/XX/XXXX, I called to check on the settlement payment. I was told that the check had been mailed. It 's now XXXX, a year later, and I still have n't received the check. 
I 've called Ocwen a few times, the last time being XX/XX/XXXX. I keep being told that I 'd have to send a written letter to Ocwen 's research department. 
If a check was mailed in XX/XX/XXXX, why do I need to write a letter to the research department. Either the check was sent or not. This is unacceptable! This mediocre way of doing business is exactly why Ocwen was in violation of so many things and a settlement was reached in the first place. 
This issue has lingered on long enough. As a XXXX-year veteran XXXX, I 'm highly offended that this issue is still continuing and I 'm still getting the run around. Any assistance provided would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: Threatened by Bank of America ( BofA ) with foreclosure proceeding regarding a HELOC account in which I was behind on my payments. i was sent a letter from BofA on XXXX/XXXX/16 listing 5 options available to me from BofA to prevent a foreclosure sale of my property which I have owned for 30 years. Option 1 was a " Full Payoff '' which I decided to do. I asked for a payoff statement and received it on XXXX/XXXX/16 which was good thru XXXX/XXXX/16. On that statement was an additional amount of {$4000.00} added by the bank as " uncollected fees ''. In talking to someone at BofA they stated that was for a loan modification. I had called the bank on XXXX/XXXX/16 telling them I would be sending a full payment and did not want to do a " Loan Modification ''. I was told not to worry as the {$4000.00} fee would be deducted if a " Full Payoff made. I sold my house of 30 years to an investor who paid Bank of America on XXXX/XXXX/16 the full amount owed including the Loan Modification fee. I have been trying to call BofA for the past 5 days to discuss this issue, but I am unable to get thru to a live person. All I get is a recorded messages which send you in an endless circle of transferred calls. Any help you can provide would be greatly appreciated.

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 04/21/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Crummy SETERUS mortgage servicer non-responsive to my inquiry into the h.a.m.p. incentive payment of {$5000.00} dollars. It has been over 5 weeks ( XX/XX/XXXX ) since they made the claim that it would be processed and paid out in a few weeks. The representative XXXX XXXX in her letter stated that if I have any questions to contact her directly. Have yet to get any response from her have left XXXX messages. This is the typical XXXX this XXXX company uses to delay and obscure their responsibility to address customer concerns. AS of XX/XX/XXXX I have yet to receive the funds or followup reply in this matter. Apparently they prefer to LIE and DELAY this payout in order to profit from the interest they gather from the {$5000.00} dollars. Never have I dealt with such a DISHONEST and LYING company in my XXXX years. They had the nerve to state " We strive to provide excellent service at all times and regret that we fell short in this instance. '' XXXX They failed at proper customer service XXXX % of the time since XX/XX/XXXX. AS if it was only once. What a XXXX lie. How is it this company is not fined for their deception and lies?

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion is taking too long to send disputed results.

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 05-12-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Denial of Service, I have had this Equifax Service for over 5 Years, I recently had changed it to a FAMILY Plan and had Disputed some of my Files Online. 
They continue to charge ME but deny me access to my Credit Reports. 
In paid for unlimited access which you can refresh Daily. 
Every time I call my calls are routed to XXXX? 
I had identity theft and I am trying to resolve but it is not easy when the very people that are supposed to investigate do not investigate thoroughly. 
Equifax wants me to submit various forms of identity to them but I feel they are part of the problem since my personal information gets sent to XXXX!! 
I have provided all my information over the phone but they still deny me for a PAID service and it is hard to cancel over the Phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Ditech Financial. My Escrow account for 2017 is incorrect. I am being charged four times a year for taxes instead of two. My account is showing XXXX amounts of XXXX when there should only be two per year. Ditech is also incorrectly charging me for Earthquake insurance which I do not need and have never needed. I have insurance both through my condo association and XXXX. Ditech has copies of both insurance policies and they are in my record. Both are paid by me and not by Escrow. This is incorrect. I had contacted Ditech and had my escrow analyzed by Ditech at least 4 times in the past month and each time the amount is still incorrect.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Application, originator, mortgage broker

Complaint: I used to think I was really good at finances but have come to the conclusion that I am gulable to people that make things sound like a good deal. It turns out that I realize that the person who helped me with my home loan back in 2004 was quite the sweet talker. He convinced me that changing to XXXX I could save money by consolidating all my bills and vehicle payments into one payment. I should have realized that most mortgage people do n't call you up at XXXX and talk to you until past XXXX putting in family talk along with business. The first time this happened I was happy because I was underwater with credit card bills and he said he could make everything go away. I was self employed and no other bank would help me. He said he would handle the whole thing. He got my payment at {$750.00} which I thought was great but thought some of the fees were high but he said it was just the way he put figures around to make it pay all closing costs etc. XXXX XXXX had just helped my girlfriend who was unemployed save her house and she said it would be worth it so I did. A few years later he once again was approaching my friend and helped her again this time she was XXXX and still unemployed. He asked her if I might be interested in refinancing and I fell for his sweet talk and refinanced. I have had at least XXXX different mortgage companies including XXXX, XXXX XXXX, XXXX, XXXX, Homecomings, XXXX, and my current worst of all Ocwen Loan Servicing. Ocwen has given me false information and recently since I have become XXXX led me to believe I could get help with the Obama refi. I 'm only allowed to talk to my relationship manager XXXX XXXX and that 's by appointment. Another long story where it takes almost 4 weeks for each appointment. This last appointment when I took him up on his promise to remove some charges if I could come up with the amount I was behind he practically called me a liar. 
Is there anyway I do anything?

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a single working mother with no family or financial resources. I purchased a used car on XXXX/XXXX/XXXX, in a state of utter desperation. I later discovered I had been a perfect candidate for a " subprime loan '' ( the details of which I was not fully aware ), and which pretty much assured I would not be able to keep up with the very high payments and penalties. The lender is Santander, one of the top subprime lenders as I understand. During the course of the loan, I did make several late payments and was charged penality feels. At one point, the car was actually repossessed, but I was Able to get the car back by paying various additional fees ( which I had to borrow from a friend ) in addition monthly loan Amount. The car was Totalled in XXXX, XXXX. Despite having paid for gap insurance, Santander did not accept the gap insurance for the coverage of accrued late and/ or penalty fees - which started out at {$5800.00}. Hence, at this point, I no longer have the car, but had to agree to make monthly payments for two or three years. After receiving my tax refund, I made monthly payments of XXXX a month - but when thel money ran out I could not keep up with payments, especially BC I lost a job and I was sold another used car with a bad title ; As of now! I I have n't been credited for paymwmts that were made, they continue to accrue Inretest, and Santander calls my cell phone about 7 times a day - they have also reported the nin- payment to my credit report. I apparently now owe {$6200.00}. Deapire the original amount being {$5800.00}, against which I made about 5 or 6 payments of XXXX They call me all day and night - and have also been calling two friends if mine as well as my step father. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX fraudulent charges were made to my credit card - XXXX on XXXX/XXXX/16 ( {$430.00} ) and another on XXXX/XXXX/16 ( {$700.00} ) listed as " XXXX XXXX CA ''. I was never contacted by Citi 's Fraud Watch Dept., as I have been in the past with other large purchases I have made. I happened to notice the charges when I reviewed my account on XXXX/XXXX/16. I immediately called Citi and spoke to an agent, who promised me she would immediately issue credits for the fraudulent charges and open an investigation. Today ( XXXX/XXXX/16 ) I checked my account and the charges have not been removed as promised. I spoke with another agent who told me that the charges MAY be removed after the conclusion of the investigation IF the investigation rules in my favor. I am completely floored by the inconsistencies about my victimization that these XXXX agents have expressed to me. After more research, I have uncovered horror stories from Citi customers such as being charged interest on fraudulent charges, being promised calls back that are never returned, outright dishonesty, etc. I refuse to pay these charges and do not want this to affect my otherwise exemplary credit score. Before drafting a letter to the CEO of Citi Cards, I want to file this report. I am seeking the removal of XXXX charges, as well as any interest/fees incurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ;.     XXXX   XXXX    XXXX  - Wrong balance, I have paid it down.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an account with  XXXX  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was paid in full in  XXXX   XXXX . According to the FCRA  623 ( a ) ( 5 ) , this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default. The account has been aged more than  seven  years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with Equifax  Information Services, wh om has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency  (   XXXX   XXXX  ) and the date of first delinquency reported (  XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Home equity loan or line of credit) with QUICKEN LOANS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: I received a letter from Quicken Loans requesting to refinance our home. In the information they stated exactly what I owed on our house. My complaint is they had to breach my privacy by at some point by searching my files to get this information. I contacted Quicken Loans and the first phone call I made to them they were uncerned about my problem. About a hour later a lady called from Quicken and apologized for the problem. I told her it was not about an apology it was about breaking the law by breaching my privacy. Then a little some man called stating he was from the executive branch of Quicken Loans and wanted to know what it would take to solve my problem. I told him I had some people working on the problem and they were to advise me in a few days. At this time the conversation ended. I believe Quicken Loans violated my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I begin using fed loan services in XXXX in XXXX. I moved in XXXX of XXXX, I have reported the change but I did not receive any statements from them which I thought was strange because It was time for me to do a deferment. I contact fed loan services again and I was told that my deferment has ended and it was time for me to renew. as I did, I was n't aware that I was late on payments. 2 years later I check my credit score and it showed that I was 30 days late. so I dispute it with the credit agency and then fed loan services, reported that I was 120 days late. now my credit has decrease due to this. I have tried to dispute this with them and they declined every attempt I have tried to make with correct this issue. I even contacted the ombudsman, and still I receive nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax has placed false and misleading information on my credit report that led to me being turned down for credit ( {$130.00} balance to XXXX of Virginia was reported ).

Company response to consumer: Closed with explanation