milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to school back in XX/XX/2001, supposedly had taken out a loan for an amount that is unknown. Needless to say, now that loan amount is over {$150000.00}. I have tried since graduating to get setup on a feasible payment plan that I could afford and not once have been successful. I 've been summoned to court appearances on XXXX different occasions in regards to this obscene loan amount, which I had to hire a lawyer each time. The outcome all three occasions were in my favor, as to the judge not authorizing the " act of garnishment ''. I do n't remember all the technical terms but I know we were fighting for litigation laws, and the falsification of the loan amount and interest accrued. This has been haunting me for well over 15 years now, I never understood how/why they are still able to continuously report this on my credit and it 's been over-ruled by a judge. They constantly still harass me with phone calls and obscene requests of payment terms. Over the 15 years sometimes I 've been fortunate enough to catch a break from some nice employee that will place the loans in an outstanding forebearance term but once that 's over it goes right back to the ridiculous interest fees. I attended XXXX I used to ask them how much can I pay as far as payments and would also end up with this insane amount and then they would say, " that 's the lowest you can pay ''. So how am I supposed to live?! The amount they were asking for you 'd think I had a house note, car payment and my mothers monthly expenses all in XXXX. So basically unaffordable!! Please someone if you could take a look at my account and be a witness to this entirety that I 'm dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving calls from Linebarger Goggan Blair and Sampson, LLP every day saying I own a debt from the year 1996I want to know how are they entitled to collect this debt and I want them to stop harrassing me. 

They just sent a letter of collection for this nonexistent debt for {$740.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Bank account or service (Other bank product/service) with Machol & Johannes, LLC (WY).
Issue: Problems caused by my funds being low

Complaint: I was served a garnishment by a local law firm by the name of Machol & JohannesLLC. 
In speaking with them I specifically told them this was a case of fraud by a family member back XX/XX/XXXX. I provided them with proof from the XXXX Police department that I was a victim of identity theft. I showed them the proof of this and from each bureau for the card in question. The bureaus did a full investigation and deemed this as not mine and deleted the account immediately. I was told they would not sell the debt due to what happened. Companies like Machol & Johannes do what is called absentee judgments to try to scam people stating they knew of the serving etc.. It is common knowledge they look for easy prey. I am not easy prey but rather a victim of ID theft over 9 years agio which makes this debt uncollectable in that fact alone. I want them to drop this case as it is fraudulent reporting to the courts and exceeds time limits to collect. I want all {$720.00} taken illegally from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 
- XXXX XXXX XXXX XXXX, 2015

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 04-08-2016 about Debt collection (I do not know) with AR Resources, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls and states I have a debt. Will call at work, cell phone for work and home phone not stop fromXXXX to XXXX. Need to stop the calls and send me a letter instead

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Settlement process and costs

Complaint: Due to unforseen business problems associated with the downturn in XXXX, I lost a business where I had personal guarantees that caused me to seek personal Bankruptcy in late XXXX through XXXX. At the time I owned XXXX homes with mortgages with XXXX different financial institutions. XXXX I lost through the bankruptcy, but the other I kept which is the XXXX I am writing about. As part of the process, I went through the HAMP ( Home Affordable Modification Program ) which resulted in a loan modification. The trial period was completed in XXXX and a loan modification was completed. I have made all payments fully and on time since the trial period began and continuing with a loan modification through today - additionally earning " pay for performance '' incentives from the program each month eligible. 

A large part of rebuilding my credit is the new history of on-time payments. As such it is important that all of my credit history be available. My mortgage holder refuses to acknowledge and report my mortgage performance to the credit bureaus, citing my bankruptcy as the reason they do not have to report it. They indicated that I did not " reconfirm '' in the Bankruptcy proceedings that I intended to keep the mortgage, although I acknowledged in my initial filing that it was my intent, went through the HAMP program during the Bankruptcy, signed new mortgage modification paperwork, and have made all payments on time since completing the trial period to qualify. Additionally, since they will not report anything, my old mortgage shows on my credit reports as in Bankruptcy without showing resolution. 

The Bank was not asked, nor did they offer, to reduce the principle amount owed on the loan. While the interest rate on the loan is less than the previous amount on the original mortgage, they will be whole once the note is paid off. 

I previously contacted the Bank on more than XXXX occasion, seeking to have payment information reported to the credit agencies. The farthest I have gotten was being referred to the Bankruptcy department where I was told that since I have not " reconfirmed '' my intent during the Bankruptcy they were under no obligation to report my information. My only option was to reopen my Bankruptcy ( at my cost ) to reconfirm the mortgage. 

While others did suffer because of my Bankruptcy, as well as me personally, this particular institution did not. The whole intent of Bankruptcy is to help people get out of overwhelming debt and get back on the right track to financial independence. I am working very hard to resurrect my credit rating which for many years was in the high XXXX. But that is made difficult by the fact that the Bank will not report my credit information. I can not accept that this Bank has the right to hold back such information since I have a modified loan in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I have been a customer of SunTrust Bank for over 25 years and up until XXXX, they handled all of my personal banking business. In XXXX, I opened 2 business banking accounts with SunTrust in addition to all of my personal accounts. InXX/XX/XXXX, I asked the bank to authorize credit cards for both of my business accounts. The 1st credit card was submitted and authorized without incident ; the 2nd business credit card application was submitted, and onXX/XX/XXXX, I was sent two, almost identical letters denying my request. The second letter specifically states that the reason for denial is " Age of Applicant ''. 
I immediately reached out to SunTrust but have not heard back from them as yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus is now demanding a minimum payment that is more than {$300.00} over my contracted amount. The " servicing '' department has also added more " fees '' to the amount owed on my mortgage. Seterus seems to be indicating that a portion of the payments I have been making ( all complete and made in a timely manner ) is being held " in suspense '' because they have been individually or collectively partial payments, something they NEVER informed me of, despite repeated requests to send monthly statements. They are also continuing to send me mail without my name spelled correctly, so I still am completely unable to communicate with anyone at Seterus either by telephone or writing.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this credit line continues to show up on my credit report even though I have been told repeatedly that the line would be completely deleted I have a release of judgment and also document saying the credit line would be removed but   XXXX   and   XXXX   XXXX    and Experian keep reporting it. please 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 non-monetary relief
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I was in the middle of a loan modification with Wells Fargo Mortgage and aftersubmitting the same documents over and over they dropped the loan modificationand set a foreclosure of the property. I got a copy of a appraisal of my property, without being told it was being done, along with a letter saying the loan modificationdocuments will be sent separately. The next notification was from their foreclosureattorney with a sale date of XXXX/XXXX/2015. I called the representative and she calledback 2 days later saying submit the same documents again. I sent them on XXXX someone from the re entry team called verifying my details. I called the nextday only to hear I am within the 7 day period of the sale date and they wouldn'thelp. I had got a letter from them a month ago saying I was approved for a shortsale that they claim I requested it. I called the lady whos name was on the letterand she said it went out without her knowledge. I was luckily enough to get themoney together to hire an attorney. I got a letter today XXXX/XXXX/2015, dated XXXX the sale date is XXXX/XXXX/2015, which is the first time I received a writtennotification of a change in my loan status. Please advise me of my options as therehas to be multiple violations. I originally had to get the XXXX department involvedto stop the same situation in XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (NH).
Issue: Managing the loan or lease

Complaint: Bought a car in XX/XX/XXXX, defaulted in XX/XX/XXXX, got repossessed in XX/XX/XXXX. My last payment was on XX/XX/XXXX, over 7 years ago. I 've had the entry removed from my XXXX but XXXX/XXXX reply within minutes of filing my dispute saying that it ca n't be removed until XX/XX/XXXX. The credit reporting laws put the 7 year time-frame to begin at my last payment so I do n't know how they 're getting away with this. The company is Exeter Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I recieved my student in XXXX, the sum of XXXX. I paid my student loan off in XX/XX/XXXX, my final payment was XXXX. 
In XX/XX/XXXX, I started getting calls and letters that I need to pay almost XXXX, they were claiming that there was never a payment made in the XXXX yrs it took to pay it off. I have spoke to XXXX, XXXX XXXX, Navient multiple times, I have sent my XXXX XXXX XXXX that I paid the loan off. I have maintained that my record show it was paid, but I did tell then that I if they did some research and proved I owed XXXX, the. I would pay it, but all my record show i paid the loan off in XX/XX/XXXX. And they claim that that XXXX payment is the only payment they know of. So, over the years while u have been fighting with them since XXXX, I keep demanding a forbearance and tell them to do the research and go over the proof I have sent them. They never do, and I just received another letter staying i still owe XXXX. This has been going on since XXXX, I have provided my burden of proof that it was paid, and they still refuse to go through everything, still stating i owe XXXX. Every year I demand a year long forbearance, I inform them that I refuse to pay them another dime and to do their jobs and get the XXXX together. I am constantly harassed by them and it becomes very stressful and it has ruined my credit. I refuse to pay a loan that I already paid off. They say they will look into it, but they never do. Also for years they would take my federal tax refund, but yet still claim they have not received payments, those refunds total a couple XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (VA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loancare services my XXXX XXXX escrow account for my VA mortgage loan. A year ago they said I had a {$94.00} dollar per month shortage and increased my mortgage. Today, I get a new statement saying I now have a {$220.00} per month shortage. They also do not pay my county taxes correctly. They paid them late, and incorrectly XXXX last year, and this year they have the amount wrong. They have two payments of {$1400.00} for county taxes when it is suppose to be {$1500.00}. Their one job is to manage my escrow account and pay my taxes and hazard insurance, and they can not get it right. Their last escrow account adjustment should have corrected the problem " shortage '', not made it worse. They have my {$1100.00} a month mortgage up to {$1700.00} now. As a XXXX XXXX on XXXX and XXXX XXXX, I can not afford to have my mortgage raised every year because of mismanagement of my escrow account. XXXX XXXX needs to hire a new loan servicing company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, XXXX & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.

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 02-11-2017 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NV).
Issue: Application, originator, mortgage broker

Complaint: Cancelled debt but failed to reconvey the lien.

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 10/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed on my account, there is a XXXX account assigned to me.two things wrong with this, one I do n't have a XXXX account, Two I have never lived at the address assigned to this XXXX account. You can check my public records and see I have never lived at the stated address assigned to that XXXX account. I would like it investigated and removed from my records, please. 
Thank you and I look forward to the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX of this this year I mailed a payment to American Express. One week later my account still had not been credited. I have paid by this method for 25 tears with no problem, therefore I felt it best to contact them. As of this date (XX/XX/XXXX)my payment has not been applied. However, I digress, I tried to apply my rewards points towards the balance, but there was so much confusion on the part of the representative I canceled the transaction. On XX/XX/XXXX, I spoke to XXXX at American Express who told me the credits, much to my surprise were applied and I owed nothing. When I preciously contacted American Express I was told something entirely different. I was told my points would be applied to the balance of XXXX minus  the XXXX  minimum fee. As I previously stated XXXX at American Express informed me there was no balance. Today XX/XX/XXXX,I called American Express to speak to a supervisor, figuring someone in authority would be able to rectify this problem. The first representative, XXXX< hung up on me. I called and was transferred to a supervisor XXXX. I l left a voicemail and the supervisor has not called me back. Bear in mind I understand mistakes happen. My concern is when the people who are paid to solve your problem are not up to the task.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: The bank did not advise that my account is going to be negative do due to two transactions that was made back on XXXX. I understand my responsibility but the bank failed to let the customer know what is going to happen. On my case I will posted the money to avoid the fees. The complain is not about the $ XXXXwith anymore. the complain is to tell how to th bank manipulate lower income class people money and also how the representative for the bank do n't give a dime to help their clients. In my case I was baking for more than 12 year also receiving two direct deposit. Is very upsetting that the bank with all the money that make with my own money they were not able to help but the supervisor ( XXXX ) she very sarcastic told that she was very sorry and that she do n't even care if I 'm going to closed my bank accounts with Bank Of America but I have to paid the fees. 

I will like to be reach Thanks

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My original lender was XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? All of my loans have been in deferment and in XX/XX/XXXX-XX/XX/XXXX they claimed they never received my documents to defer my loans but I agreed to it and now I have late payments which is hurting my credit. This is very misleading and shady. Every time you call the representatives are always giving you wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with GLOBAL CLIENT SOLUTIONS, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My first name is XXXX, I am part of the class action lawsuit against Global Client Solutions for Processing Illegal Debt-Settlement Fees I was their client in XXXX XXXX, New Jersey, I got a mailer from the company to use their service for Credit Card Debt. I paid {$300.00} each month and was told to stop paying my credit card bills. My ex husband did the same thing with the same company, around the same time and was award a refund for this class action. 

I 'm trying to find out how I can claim my share of the settlement. I paid a total of around {$3000.00} and learned my debt was not paid off. 

I 've since moved to XXXX and have had no correspondance. Please let me know how I can find out if I can receive part of the settlement and what documentation I need to provide. Thank you.

Company response to consumer: Closed with explanation