milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Student loan (Private student loan) with DISCOVER BANK (WA).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: With the greatest respect to the government agency that ensures the protection of rights of consumers. I am the XXXX student and have applied three XXXX, XXXX XXXX and Discover entities for the student loan because the search engine gave me the option of private loans without COSIGNER as soon as I have applied my credit score downgraded and I had an issue with renewing and renting new apartment. Their decision, all three was to provide COSIGNER with high credit score and applicable income which by itself makes it impossible because COSIGNER which signs contract also loses Credit Score. I have already finished most of course load and if I knew that my credit score was to downgrade just for applying and I wont be able to receive impossible term student loan I would have even applied. My complaint based on if you get rejected why should you score downgraded, why three companies aggresively advertise private loan without cosigner in the search engines such as XXXX, and the most important why would person cosign if he already knows that his score is going to downgrade because later the financial institutions will increase the cost of borrowing and all other consumer purchases would be expensive for him or her. Right now I have issue with renting apartment because of that and I have family and kids. I have the lifelong experience and education never consign and never apply that makes me not wanting to access finance thus leading to financial XXXX  so it happens to be the services for the status selected which credit bureaus assume from family history and other criterias. My complaint is not take action but for improving the system set by private businesses. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX   XXXX  AND  XXXX  of   XXXX   XXXX   continues to make unauthorized HARD credit inquiries into my Equifax  Credit  file.     In  XXXX  of  XXXX  I borrowed from  XXXX  to purchase a  XXXX  car through   XXXX   XXXX    XXXX  and took the loan to obtain a rebate.     I paid the car loan off in 60 days. Yes paid off the car loan in 2 months in  XXXX  last year.     However,  XXXX  and  XXXX   XXXX   XXXX  made  2  inquiries in my credit bureau at the time. I notified them of the extra inquiry which was not authorized.     I have just now learned they have AGAIN made  2 ne w HARD inquiries into my credit bureau on  XXXX   XXXX  of this year  XXXX . These are unauthorized and fraudulent usage of my personal credit information. Calling the dealer and  XXXX   XXXX   XXXX  has resulted in no returned calls or response to the new  XXXX  fraudulent hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification on my mortgage with ocwen back in XX/XX/XXXX. I am the sole borrower on the initial and present loan on my home. To this date, I have received the same modification agreement to sign XXXX times. Ocwen is requesting that I have my spouse that I separated from in XX/XX/XXXX, that is not on my initial or present loan/credit application for my home, a person that I have no information on his whereabouts to sign the modification agreement. I have spoken to an attorney who has advised that Ocwen does not have a legal right to request information on someone that is not on the loan/credit application. I asked my relationship manager, XXXX XXXX if I could have a direct number to the departlment that I could pose the question " regarding separated spouses and the how it would affect the modification agreement ''. He stated they did not have a direct phone number and that inquiries had to be emailed, which I think is not fair to a customer that has speculations on the information that they are being given about a particular subject matter. I also have concerns that my payments are not being posted correctly to my account. They are listed as supense payments. My concern is that since the payments are not being posted, and if the modification is denied due to my not being able to provide a signature from a person Ive been separated and not seen in 13 years, the interest and late fees are continuing to ballon and cause my payments to unaffordable. Im and 99.9percent sure there must be a clause that in the modification programs that applies to my particular situation but am not sure what it is. I also think late charges and interest compounded during this process should be waved. I have done my part as a consumer in signing the necessary papers as the sole and only borrower on my initial and current loan documents. Ocwen requiring information on someone that is not on the credit application is illegal. I have also read reviews how they have canelled the loan on customers that have requested help through available agencies. I hope this will not be the case. I hope they will be fair and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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: My account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but XXXX XXXX XXXX posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted XXXX XXXX XXXX and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from XXXX XXXX XXXX that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but XXXX  was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by XXXX that XXXX XXXX XXXX was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but XXXX wo n't make the change.

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 04/28/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Trouble during payment process

Complaint: In [ Case number :  XXXX  ], Ba nk of American stated  in writing in  XXXX    XXXX   that I could request cancellation of my PMI at a  LTV ra tio of 80 % or below after  XXXX    XXXX  . I have contacted them to schedule my home appraisal for  XXXX    XXXX  , but Bank of America is now saying in their letter to me that  the LTV ratio i s now 75 % ratio instead of 80 %. I have called and written to the managers, but they want to hold on to the 75 %  LTV ratio, which contradicts their official written response in [ Case number :   XXXX  ]. See their response below : " ... .you  may request the cancellation of PMI when the LTV is at or below 80 percent of the original value of the property, or when the loan reaches the two year anniversar y in  XXXX  of   XXXX   ... '' 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 explanation
Consumer complaint received 10/31/2017 about Vehicle loan or lease (Loan) with BANK OF THE WEST (IA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XXXX XXXX we got orders that XXXX for iowa XXXX XXXX was imminent, month long guard before XXXX. In planning, a car loan through XXXX XXXX XXXX was contacted. We were told that we can defer the loan for time of XXXX of 400 days. In waiting for orders we attempted defferment in XXXX XXXX. The paperwork was lost and in XXXX we made XXXX payment. Tried to differ XXXX payment and it was n't applied till XXXX XXXX once again lost by company. After updating payments we sent in orders we now had in beginning XXXX XXXX XXXX seperate times per request of XXXX XXXX XXXX They said they were processing them. Many times we got calls for payment each time notifying them that we are waiting for deferment. They noted account transferred to management spoke with them. This went on till end of XXXX XXXX. I recieved yet another phone call. A ski, XXXX  them to please get this strainghtened out now. They notified me there is no deferment  and we need to pay approx {$1300.00} in back loan payments for it to be taken off credit report. This has negatively affected me as the significant other/co borrower and the XXXX XXXX national guard service member. Our credit report has been negatively affected and he is now worrying about this instead of the job he is there to perform. It could have been avoided by not giving false information by XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification on an FHA loan for over 2years. I was unemployed and now working XXXX jobs and my father has committed to assisting me with paying my monthly bills. Bank of America has refused to assist in making my monthly payments affordable, continuously request the same documents, change contact representatives, refuse to provide documents related to the loan, account and other information, and failed to review the most recent application and requested that I resubmit. I believe I am a victim and the bank is guilty of improper handling of my account and it is more of a financial incentive for them to foreclose at this time versus modifying the account and allowing me to remain in the home and make an affordable payment. I have done everything I know to do asked what income will allow me to stay in the home to get additional income and they have refused. I was told by a representative to " make sure I have a plan B ''. 
I would appreciate any help as it relates to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: I payed off my car loan through Ally Auto on Saturday XXXX XXXX. The payoff amount was taken out of my account on XXXX XXXX 2015. I called on Wednesday XXXX XXXX to see when I can expect my lien release. The response was 10 days for the money to clear ( although my car loan account listed XXXX balance and the pay off monies was taken out of my checking account ). I then explained that that was ok but at the 10 days I would need to have the lien release note as I sold the car and the buyer only has 14 days to get the title into her name. Ally then told me the paperwork would be mailed to me after the 10 days and it would take 5 to 7 business days. Again I discussed the unsatisfactory time frame. I was told I could request a fax copy after the 10 day money clear timeframe but the fax would then have a 48 hour hold on it after I request it. This hold happens over a weekend so in reality the title will still be over the 14 day mark set by the State of Michigan. I was not informed in my loan paperwork that this event would take up to 17 days to complete if I chose to sell my vehicle before the loan was payed off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Billing disputes

Complaint: I asked for the exact payoff on my account so I could completely close the account I paid the account in full and have recently got a bill from them I will not pay anything else on this matter because it is closed and was paid in full!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I make monthly payments on my student loans. The payments are made out of my mother 's account by auto debit each month. The payments come out of the account each month between the XXXX and XXXX of each month. I have never missed a payment yet the servicer Navient did not apply my XX/XX/XXXX payment. I 've called the servicer Navient several times, talked to various customer service representatives, provided the bank records they requested to show we made the payment, and yet the servicer Navient has not applied the XX/XX/XXXX payment and has failed to even follow-up with me to explain what happened or even whether they 're looking into the payment they did not apply. I 've had to repeatedly call them to remind them of this payment they did not apply and to prod them to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: The following Student loan accounts are reporting late and therefore showing negative on my EXPERIAN REPORT. XXXX and XXXX have updated and corrected the items. It has gone past the time that was stated for the information to be updated. Some were updated but TWO are still reporting negatively. 

1.XXXX XXXX XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4300.00} 2. XXXX XXXX XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 116 Months Responsibility Individual Your Statement - Comments Account closed due to transfer or refinance XX/XX/XXXX THROUGH XX/XX/XXXX IS REPORTING PAST DUE. THESE ACCOUNTS WERE IN DEFERMENT DURING THE TIME AND HAVE BEEN CONFIRMED BY LETTER THAT WAS SENT TO ME. BUT ACCOUNTS HAVE NOT BEEN UPDATED 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 non-monetary relief
Consumer complaint received 12/29/2016 about Debt collection (I do not know) with Cottonwood Financial Ltd. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Received collection letter dated XX/XX/2016. 
Sent cease communication letter on XX/XX/2016 via certified mail. 
Was received and picked up on XX/XX/2016. 
Received another collection letter on XX/XX/2016 They are in violation of the law by contacting me after I told them to stop.

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 11-09-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MI).
Issue: Wrong amount charged or received

Complaint: I use paypal to transfer funds for payment and receipt of payment. 

With respect to payment receipts, paypal recently revised their system to report the amount that was sent to me as the funds transfer total without any regard to the net amount after paypal removes its fee. thus, paypal is over reporting each funds transfer and my total account balance. when asked, paypal states that they can not do anything about this because of their recent changes.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I received an offer from Citi Mortgage advising me that my mortgage was owned by XXXX and that I qualified for a Trial Modification Program under the HAMP starting XX/XX/XXXX. I sent the proposal to my attorney, XXXX XXXX XXXX for review. He contacted counsel for Citi Mortgage and was told that as soon as I made my first mortgage payment under the trial program, they would not foreclose on my property. I made the first payment in XX/XX/XXXX in accordance with the agreement. XX/XX/XXXX I received letter from Citi mortgage assigning me a special processor that would work with me throughout the trial period. That XX/XX/XXXX, my attorney was advised that my house was foreclosed on by Citi mortgage. I attempted to communicate with Citi verbally and through email and they would n't communicate with me. I sent I the XX/XX/XXXX and XX/XX/XXXX payments to Citi in accordance with the Modification agreement ( payments sent certified mail with return receipts to support payments made on time, my checks were cashed within 1-3 weeks of receipts ). I asked Citi to advise me when I would receive the permanent modification agreement documents in accordance with The HAMP and received no correspondence from them regarding this request. 

My foreclosure XX/XX/XXXX may have been vacated so I was advised that Citi Mortgage was once again going to foreclose on my house in XX/XX/XXXX. The last Monday XX/XX/XXXX I received a call from XXXX, representing XXXX advising me that I might qualify for another HAMP. Yesterday I spoke with a certified counselor at XXXX XXXX and she advised me to file this complaint and also start the modification program again with XXXX. 

I am in a position financially where I can afford to make the payments on my mortgage under the original trial modification program that I entered into with Citi XX/XX/XXXX. The counselor that I spoke with ( XXXX XXXX, XXXX ) yesterday said I would be receiving an application package from XXXX within 48 hours to see if I qualify for another HAMP program. It is my desire to have my mortgage modified under the HAMP program. 

I believe that Citi Mortgage violated the original terms of the HAMP program that I entered XX/XX/XXXX and I am asking for your help to make sure that Citi mortgage does not foreclose on my house and allows me to enter into another trial modification program under the HAMP program. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, Ohio XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX reported wrong to the credit reporting agency. They reported wrong in XXXX and XXXX of XXXX when they received payments on time for their loan. Both of these were received on the XXXX of the month and processed the same day. On XXXX of XXXX they also reported late when the payment was received in the month that it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: MY NAME IS XXXX XXXX, XXXX EXECUTOR FOR THE ESTATE OF XXXX XXXX # XXXX wells fargo servicer has repeatedly stone walled any attempts by me to access their policies and programs related to regulation z dodd frank successor- in-interest. I am the heir and successor-in-interest to property left to me by my mother. I have contacted wells fargo numerous times about being placed on the mortgage loan and allowed to make payments they have continued to try and force me to do a modification, refinance or assumption. i have provided them with documents from the CFPB that explains the successor-in-interest, they have ignored this information and continue to try to subject me XXXX.. I am asking CFPB to demand/command wells fargo explain why they say these policy and procedures dont exist.They have caused a significant financial burden and lost of time trying to deal with a organization that intends to wait me out and foreclose on this property. My complaint is simply that wells fargo is using lies and deception to steal my property. refuses to acknowledge regulation z/ successor-in-interest XXXX rules regulation as of XXXX/XXXX/2014 says there are no procedures for anything from the CFPB, SAYS THEIR LEGAL DEPARTMENT has no such knowledge of any federal legislation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler (  XXXX  ). I have been trying for 4 years to get  XXXX  to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and each  one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted  XXXX  to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and  XXXX  has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held  hostage by  this company. Attorneys want to much money and NO  ONE cares,  within the government or their agencies, that there is fraudulent info on my acct.

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