milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2015 about Mortgage (Home equity loan or line of credit) with GreenSky Trade Credit, LLC (AZ).
Issue: Settlement process and costs

Complaint: Unable to receive any monthly statements for a loan that I opened in XXXX 2014

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a dispute to correct errors on my credit file on XXXX XXXX and they ignored my request even though I sent it through fax and was given a confirmation that the fax was successful I sent XXXX pages and upon checking dispute through their website and none of the personal information or accounts that I disputed are under investigation and it will 30 days tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (AL).
Issue: Charged fees or interest I didn't expect

Complaint: On Friday, XXXX XXXX, at approximately XXXX, I entered the location of Express Check Advance, located at XXXX XXXX XXXX., XXXX, MS XXXX and received an Advance Payday Loan in the amount of {$400.00} ( XXXX Dollars ). I wrote them a check in the amt of {$480.00}, on my legitimate checking and open acc't at my Credit Union . The next business day which was Monday, XXXX XXXX, 2016, I ret 'd to this same location to return and/or pay off the loan. I was not allowed to pay back the {$400.00} without paying the {$80.00} fee. This was also, done against my Wife, which I attempted to pay off both our loans. I was told that I had to do this kind of transaction on Saturday, XXXX XXXX, 2016. They have a sign posted in their place of business, stating that you can return or pay off the loan, without paying the fee if you do so on the next BUSINESS DAY. Saturdays, Sundays and Holidays are not BUSINESS DAYS ... .PLEASE CORRECT ME IF I 'M WRONG. I have been trying to call their Main Office and the Association that they are a member of since XXXX XXXX, 2016, and no one has returned my call nor answered my email to settle this matter ... The Loan is coming due again on XXXX XXXX, 2016, but I do not get paid until XXXX XXXX, 2016.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I live in Hawaii. The time difference depending on the time of year is XXXX6 hours. That means that it is not possible to get in touch via phone. I have tried to use their correspondence feature but they either do n't reply or send a form response that does not answer my question. There website currently does not work well and requires constant switching between the old a new site. This now has been for years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Settlement process and costs

Complaint: a foreclosure was halted in XXXX 2016 by me XXXX XXXX in which I filed chp XXXX bankcrupty. 
In XXXX 2016 shortsale letter was issued by seterus the servicer. My loan amount was {$310000.00}. The amount from shortsale letter demand was for {$450000.00}. Their net demand was {$400000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MN).
Issue: Struggling to pay mortgage

Complaint: My grandparent have a mortgage with Select Protfolio Servicing Inc. They moved to Minnesota in XXXX of XXXX. My grandparents are elderly. They could n't keep up with the up keeping of the property and the property was falling apart. They both on a fix income and they ca n't afford to have in work done in the property. So I told them to move here because they did n't have the help with getting around. My grandparents both fell down the stairs plenty of times. I submitted paperwork to get a deed in lieu. And it 's been an ongoing thing. I submit paperwork then they asking for the same paperwork every chance they get. You call in and get someone different every time. And each person give you different message. I fax in the documentation and also email the documentation. Then they state that did n't fax the documentation until late. But I kept on calling the day I fax it over and they said it can take 24 hours. I still call the following day still nothing. Then call back the following day still nothing. Then they state to email it get to them right away. I did. They call me the weekend stating that something is missing. I asked what and they stated that I can get the document on the website and I went to look for the form they said my grandparents need. But they said the new up to date form have the option to surrender the home. But did n't find it. Because on the previous documentation I put on the form surrender the property. I 'm just tired of the back and forward between the company. Their representative is not knowledgeable and they seem like they do n't want to help. This is so frustrating. I think everything is done then I get a call saying I have to start back over. I think something need to be done to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: 1. Nelnet is billing me, after only 90 days from graduation, for the old student loans. 
2. Nelnet is not allowing me to have a deferment. 
3. Nelnet is billing me for {$10000.00} more than expected on my total amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: the amount does not go down and infact the amount keeps going up at an intrest rate over XXXX percent

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: For as user-friendly and intuitive as Navient pretends to be, they are anything but when it comes to comparing your previous account balances and 'simple daily interest ' calculation. The only information shared in the account history section, is the amount of money being paid monthly. There 's nothing that shows the previous balance, making it unbelievably annoying and frustrating to compare how your monthly payment is impacting your current principal balance. A simple section that shows your monthly principal balance is extremely helpful so one can consider and adjust his/her monthly budget in consideration of a student loan payment. 
I work extremely hard to make {$1000.00} payments on time each month. When I log into the my account the following month, my monthly payment has hardly made a dent in the principal balance. With our current system, it is nearly impossible to payoff a high student loan with a monthly interest rate of 6.875 %. This is not the American Dream I was always told to work for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with M.A.R.S., Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Mars has placed XXXX collections on my credit profile that are un merited. I do not owe any money to Mars or XXXX. These charges were already investigated and proven to be fraudulent. I requested from XXXX a validation of the debt and they were un able to provide the requested information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Trouble during payment process

Complaint: On numerous dates in XX/XX/XXXX, I have contacted pennymac in reference to an increase in my escrow payments per month due to a mistake on their end. They originslly stated it was my taxes fault, but then changed their story and blamed it on my insurance company for not keeping up with my windstorm insurance. After speaking with my insurance company, they stated they had not changed anything in reference to my policies and any increase in pay was due to the mortgage company. After explaining to them what I found out, pennymac finally admitted on a recorded line that they XXXX XXXX  and forgot to collect for it so now doubled my escrow payment. If they made the mistake, why and I getting punished for it and having to pay payments out of my price range.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I logged in my credit report XXXX XXXX 2016 and my mortgage late payments were removed and now they are back on there which has brought my credit score 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 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a co signer on XXXX private loans that was originally with XXXX but of course is now Navient. We are having all the problems you have descripted in this lawsuit. No way out and they have screwed us all and want answers Now

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Struggling to pay mortgage

Complaint: THIS IS NOT A NEW CLAIM I JUST HAD NO WAY OF FILING ADDITIONAL INFORMATION SINCE I DID NOT SEND THE ORIGINAL COMPLAINT TO YOU. THANK YOU. 

Complaint XXXX about Wells fargo XXXX XXXX On yesterday I received a call from the person over the case regarding a letter to the FDIC and it was forwarded to you. He called to say that he needed more time to get more information from the department involved in this. 
He said the new date would be XXXX the XXXX or XXXX. I asked him what information he needed from them and he said information to proceed.I explanied to him that the weather had been pretty bad in Louisiana and with XXXX threatening to dump more rain I wasnt sure if there would be additional damage. Upon origainally speaking with him I told him I was sure termites had come in throught the widow that had issues. 
One of the questions I asked was were we going through this because we were behind in our house note. I explained to them that my hsuband had to leave employment here to go there. It took him a month to find employment. He is doing some very labor intense work so we can catch up on the mortage. 
Today in the mail I received two pieces of mail from Wells fargo. The first was a letter for guidlines for my husband to do the work on a home we paid the insurence on. 
It said that we had to go through this because we were behind in our mortgage. It says we must send them the checks that will send us the money in increments after we provide every manner of support. Including reciepts, checks and other things. 
THIS IS NOT THEIR MONEY. my XXXX no one should have to go through this. I have been displaced from my husband for more then three months. It feels like XXXX all over again. 
We have never filled a claim and we will most likely never again. As I stated someone mentioned to my husband recently that we have been behind several times with our mortgage since XXXX. 
Which brings me to the second letter, one that I can never remember getting, a letter to accelerate the loan or default and be foreclosed on. I think it is very suspect that I make a complaint against them and we have been behind for several months and now we receive this letter dated XXXX XXXX. 
I believe this is clearly retaliation for filing a complaint against them for their practices and the lies that they have told and continue to tell. We are suppose to be a team. But I feel like it is them against us. And we are trying to stay above the water. 

It is now my intentions to provide this information to the media, sadly with this current disaster there will be countless people that they do this too. 
Sincerely, 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 01/15/2016 about Consumer Loan (Pawn loan) with BB&T CORPORATION (PA).
Issue: Can't contact lender

Complaint: Line of credit loan. Will not or can not send invoice. When I contact bank they all tell me different reasons. If I do not remember and do not send loan payment in time they will charge me. Some months I get invoice some I do not. Blame it on recent merger with B B & T Bank. Happened before the merger also. Tired of calling. They need to be responsible enough to send invoice and not make me call each month. They also tell me different places to send it. Also not very pleasant when I call either. Please do something. Tired of banks doing what ever they want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: For the second time, I mailed my payment to Central Mortgage Company on XXXX XXXX, 2015 ( the check is dated XXXX XXXX because I wrote it the night before ). I just received a letter dated XXXX XXXX stating they had not received my payment. The check was cashed on XXXX XXXX. If Central Mortgage Company does not receive the payment by the XXXX of the month, they charge a late fee of {$40.00}. Usually I mail my payment the first week of the month to ensure at least 9-10 days for the payment to arrive to Central Mortgage Company. Oddly enough, they charge you a {$5.00} fee to make an online payment, so I always mail my payment rather than pay the fee. I have a hard time believing that the postal service was unable to deliver my payment within 9 days, and it appears that many other consumers online have had the same problem. I fear they are holding my payment for days and claiming it is late so they can charge me the late fee or bully me into paying the online fee. The first time this happened last year, I called and they would not budge, even though I mailed my payment 10 days before it was due. If this continues, I am considering refinancing so I can switch companies or sending all payments via certified mail to prove that they are receiving my payments with plenty of time to process. Sadly, it is cheaper to send a payment through certified mail than it is to pay online, albeit less convenient.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: OnXX/XX/XXXX my bill is due, XXXX XXXX est is the cutoff, They delayed logon until after XXXX XXXX est, after logging on, they made me enter personal information and account number. Then made me wait for a link sent by yahoo which took a few minutes. This is the only time they have forced subsequent 3 factor authentication. 

This seems to be a current process that card companies use when people are trying to pay close to cutoff.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: lexisnexis wants new information I gave it to them I have never lived at XXXX XXXX XXXX XXXX the home during my investigation revealed that address belong to a XXXX an XXXX XXXX. This is the new information I have have them investigate ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Debt collection (Medical debt) with AmeriCollect (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I noted an erroneous collection on my perfect score credit bureaus reports, contacted collection agency regarding error as well as provided reference number to show proof of payment which occurred over 8 months ago on XX/XX/XXXX. It's been over three weeks and no action has been taken and negative info sits on my Bureau reports. on XX/XX/XXXX. I contacted the original creditor ( XXXX ) who indicated to me that thaqt particular collection has a XXXX   balance and to contact the creditor for resolution. this is a circle as they told me to contact the original creditor despite having proof of payment on my credit card statement. 

What's sad is that I'm in the middle of a mortgage that was pulled when my scores where above 700 which was not only the qualifying amount but also a decent interest rate. 
now do to this collection, my scores dropped a minimal of 36 points across all three mortgage lending reports, ie 2,4,5, .Not only am I filing this report under unfair practices but also under financial harm to me as a result of credit scores drop. which will impact me on obtaining the mortgage or interest rate increase to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been listed as a " potential victim '' in Equifaxes data hack. Time and time again, companies have underestimated the importance of data security, and time and time again, this has completely come at the expense of the average consumer. 

Instead, the Executive board is able to inside trade out their own securities before divulging their MONUMENTAL mistake, further damaging a market they have already destroyed. 

This company needs to be completely frozen and audited from the ground up, and no information should be processed through them until a proven process can be implemented. 

This is disastrous for potentially almost half of Americans and I hope this company receives this level of complaint from every last one of us.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Chase Bank and every year I get a statement of Escrow Shortage, thus making my payments higher if I do n't pay the full amount. The shortage varies each year from over {$600.00} to {$900.00}. I am current on all my payments since two years ago. My home insurance only went up {$24.00} and property taxes {$8.00}. Also, Chase calculates or predicts what my shortage is going to be for the next year. Hopefully the attachments of documents I sent can be retrieve. As I was looking at my statements it seems like I am constantly being double charged. This has be going own with me every since my mortgage was turned over to Chase. I have had different mortgage companies and do not remember any escrow shortage. Sincerely, " Sick of the shortage!!! ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: A letter was sent to Midland Funding requesting verification of this debt. I asked for original signed contract and payment history. It has been well over 45 days and I have not received any response from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XX/XX/XXXX - I disputed and requested validation of debt from Ad AstraXX/XX/XXXX - Ad Astra provided a photo copy/printout of an unsigned contract as proofXX/XX/XXXX - I disputed, again, as Ad Astra failed to provide me with a copy of viable evidence bearing my signature showing account was reported accurately; a bill does not constitute verificationXX/XX/XXXX - Ad Astra provided a copy of unsigned agreement and history of charges (still not verification)XX/XX/XXXX - I confirmed that my credit report was never (after 6 months)  marked "disputed" by Ad Astra which was required after 30 days of original disputeXX/XX/XXXX - Provided yet again previously mailed copies of an unsigned agreement and history of chargesXX/XX/XXXX - Credit Report still not marked "disputed" by Ad AstraAs a result of all the actions above, this derogatory account, Ad Astra Recovery Services, Inc. must be removed from my credit file by all the failures of Ad Astra to provide proof/validation of debt AND failure to mark Credit Report "disputed" within 30 days of original dispute communication

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get repeat calls from Municipal Services Bureau about an " important matter '' on my business telephone line. This line has never been associated with any personal debts ( mine or anyone else 's ). And internet search lists them as a debt collection agency. I have received XXXX calls this week alone. None of the voice messages mention the reason, my name, any name, or anything aside from a call back number.

Company response to consumer: Closed with explanation