milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (WV).
Issue: Managing the loan or lease

Complaint: TJ Maxx serviced by Syncroney bank just put a negative result on my credit report stating that my account was delinquent and they had closed it. I have been negotiating with them for a long time they posted a XXXX XXXX from North Carolina charge on my account for over XXXX I told them this as not my charge and I lived in XXXX not XXXX. I asked for a detailed account statement and I do not owe them anything I should get an attorney because they have damaged my credit and I am not a happy camper

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 Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: The lender initiated foreclosure within the early intervention period in violation of Regulation  X, 12 C.F.R. 1024.41 ( f ). The lender also failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - The lender was also sent a QWR ( Qualified Written request ) for a comple te loan history on  XXXX / XXXX / 2017

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12/29/2017 about Student loan (Private student loan) with ACS Education Services (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: From XXXX XXXX through XXXX XXXX, I had issues with ACS not updating my payments properly, charging me with late fees and coming up with increasing larger, but never really explained amounts in arrears. I will attach my payment history which shows only two late payments in two years, followed by my paying extra amounts to catch up and paying out a large sum to catch up on what they said was in danger of being delinquent though not accounted for. I never defaulted and even though dealing with illness and hospital bills, I never neglected to pay even if it was just my regular payment. ACS, now Conduent called me multiple times a week multiple times a day at all hours and I also answered and explained my situation and made payments. Some of the customer service reps even advised me of times to pay to avoid credit reporting consequences. In XXXX, around the time I learned that I had been hit with bad charges related to the XXXX and XXXX breaches, I saw where ACS/Conduent had reported multiple 60 and 90 day payments delinquent. It made a huge dent in my credit score, and like the actions taken by the company in my other complaint, are incorrect, unwarranted, and a detriment to my position as a cleared XXXX. 

I wrote to ACS/Conduent and received a reply that they had no control over the reporting and to reach out to XXXX. I reached out to XXXX and was told to go to Conduent. Neither of them answers the phone or returns voicemails. I attached the email chains for your reference. 

I didnt realize it, but this treatment is very close to that complained about in the recent lawsuits https : XXXX? XXXX and https : XXXX. Unfortunately, Virginias XXXX has not joined this effort and so I am reaching out to you. 

This characterization of my payments and the credit reporting is false and I would like it removed. Also, it cuts against my livelihood, which I need to pay the loans back. It is difficult to understand why a lender and services would want to harm the source of their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I currently home school my daughter through an online virtual school. Wells Fargo repeatedly calls during school hours, despite my complaints that they're interrupting my daughter 's school day. This is the same as harassing someone at work. 

Wells Fargo is extremely rude and offensive. On XX/XX/18, they falsely accused me of abandoning the property, then told me that's the only " reality '' that exists when I tried to explain that was false. Attacking my perception of " reality '' is a highly abusive, manipulative tactic, even as absurd as they sound. 

This is a delicate, unfair situation of a divorce involving XXXX XXXX, XXXX XXXX, and a state child support system that is 47 weeks behind on my child support and household maintenance payments. Wells Fargo has been made aware of the statewide crisis in support payments. 

Wells Fargo has repeatedly told me that without my own job/income, they can't provide a workout plan, when the judge has ordered both child support and household maintenance due to being out of the workforce for 12 years, giving me the chance to return to school and/or obtain specialized career training. 

This is clearly discrimination against women. The home is in my name only, and I'm 22 years into a 30 year mortgage. There are no property disputes in the divorce.

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 10/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I borrowed from then XXXX, now Navient, a total of about {$8000.00} in XXXX separate loans. This is on top of my federal loans that I currently had to put in to forbearance. The loans were all to cover on-campus housing expenses, transportation costs, and supplies for school. At the time, I had no other options and was forced to have my father co-sign on all XXXX loans. I do not feel I was properly prepared to take these loans out and did not anticipate how aggressive the repayment terms would be. I am now almost XXXX payments behind and have done voluntarily forbearance twice, with a significant fee, to prevent default. Navient frequently harasses both me and my father XXXX the co-signer XXXX numerous times during the day and even late at night. I currently work as a paramedic and my father as an elementary school principal. I have attempted to express what I can afford per month, which is less than what Navient wants. I have given them a complete financial review of all my expenses and they still claim that I have enough to afford my monthly payments. I have been berated and made to feel bad about borrowing the money, even times when the representative will say " It 's only {$8000.00}, why ca n't you pay this back? ". My credit has suffered due to my accounts with Navient. I am unable to refinance and can not seem to qualify for any consolidation programs. I feel like I am running out of options and Navient continues to bully both me and my co-signer. 

I obtained these loans while attending the University XXXX XXXX Florida between XX/XX/XXXX and XX/XX/XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Medical debt) with Law Office of Charles G. McCarthy Jr. & Assoc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX repeatedly contacted me to collect a fee I did not believe I owed. Despite communicating with them regarding my dispute they continued to add fees to the original amount claimed. They made repeated phone calls including calling me and leaving a message from an unlisted number. They have proceeded to turn my account over to The Law Offices of Charles G. McCarthy, Jr. and Associates for collection despite my good faith efforts to confirm and resolve fees owed in a timely manner to the original creditor. They failed to correspond with me for over three months following final payment to original creditor to indicate that they still claimed I owed fees and instead turned my account over to the aforementioned law office. This resulted in additional fees from the law office. The fees charged by XXXX XXXX XXXX and Charles G. McCarthy and Associates are inconsistent, unclear, and not supported by the terms of the financial agreement I signed with the original creditor leading to confusion regarding debt owed. This financial agreement specifically states that I owe expense incurred by " my provider '' in collecting balance owed. According to provider, this obligation was met when the {$30.00} collection fee was paid. Finally, law office left message on XX/XX/XXXX requesting I call. The call was returned by me on XX/XX/XXXX. XXXX XXXX at law office claimed that a letter had been sent to me onXX/XX/XXXX confirming the debt I owed. I informed him that I never received any such letter from the law office, despite residing at the same address XXXX XXXX XXXX and The Law Offices of Charles G. McCarthy, Jr. and Associates have utilized previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (I do not know) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been trying to resolve a loan with Peoples United regarding a past due loan. I sent in payments but they will not reinstate, apply the payment, or accept a settlement. loan officers name is XXXX XXXX XXXX Peoples united XXXX XXXX XXXX XXXX ma. I had a very good interest only loan program around 4 % that they would not renew. I dont know why i had a great repayment history. Then they forced me to take a higher fixed term loan at 7.5 %.. I fell behind on the payments, and they would not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: According to the FEDAL FAIR CREDIT REPORTING ACT consumer reporting agency may not report negative information that is more than seven years old from the fist date of that account being late.According to credit report file from XXXX/XXXX/XXXX and credit report file from XXXX/XXXX/XXXX show that the items is do for deletion

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 11-10-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Despite having Federal Flood Insurance Specialized Loan Servicing placed forced flood insurance on our house. Since there was a change in the amount of the payment they cancelled our automatic electronic payments. After submitting proof of coverage they removed the forced flood so I asked to have Automatic payments applied again. SLS indicated that it would take more than a month for the electronic payments to be reestablished I made the next month 's payment early, recieved a confermation number and verbal ( recorded ) confirmation that is was completed. SLS mishandled the payment, withdrew the incorrect amount of money and applied the money as principal rather than making the monthly payment as agreed. SLS then claimed the monthly payment was not made, made a report to credit reporting agencies and charged late fees. SLS then failed to honor the electronic payment request for the following month. SLS made false statements regarding the situation to myself and made threatening statements to my wife when she called to inquire about the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: To prevent the borrower ( XXXX XXXX XXXX ) from taking advantage of his rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure, the lender and/or the lenders agent have committed the following illegal acts and violations.1. " In violation of Section 6 of the .... ( RESPA ), under Section 6 of RESPA, lender did not acknowledge my timely request within 20 business days. " Lender DID NOT and HAVE NOT acknowledge my timely request to date, long past the period required by the Act, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.2. The lender violated XXXX XXXX, when he and his authorized agent ( same as above ), committed perjury under the laws of the state of Washington, when they stated, under penalty of perjury, that he " the beneficiary or beneficiary 's authorized agent has exercised due diligence to contact borrower, ( me ), as required in XXXX XXXX ( XXXX ) and the borrower did not respond ''. Lender ( XXXX XXXX XXXX ) DID TIMELY RESPOND, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.3. In violation of XXXX XXXX, the lender and/or his authorized agent illegally filed a NOTICE OF DEFAULT. Attached are copies of BORROWER 'S proofs that the lender and lender 's authorized agent did commit the illegal acts stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Capital  one  has closed my accounts for ungiven reasons. I still have a balance of {$440.00} in one checking account ending  XXXX  and {$520.00} in another savings account ending  XXXX . I was told by their agent that they wont release those funds to me, and I will have to contact the bank of those incoming fund to reverse the fund.That will be impossible for me to do. I dont understand why capital  one  cant release those fund to me after the accounts were closed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with PAYPAL HOLDINGS INC. (CT).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX, 2016 I received a PayPal Credit Card Statement in the mail reflecting a balance of {$100.00} of which {$64.00} were late fees. That evening I called PayPal Credit to understand 1. how this account was opened up, since I never authorized it in the first place and 2. what transaction may have triggered the open of this credit card account. I spoke w/ 6 different PayPal individuals that evening. In summary there was a {$43.00} online transaction in XXXX 2016 which I do take accountability for where I selected the " PayPal '' icon as I would with any online PayPal transaction. Individuals I spoke with said I was " auto enrolled '' in the PayPal Credit Card via that {$43.00} transaction. I have had a regular PayPal account for years which is directly linked to my bank 's checking and credit card account. The PayPal Credit Card account noted above is not linked to my existing PayPal account. In summary, my complaint is that I NEVER authorized the opening of this PayPal Credit Card which currently has {$64.00} in late charges and the attached Statement is the only document I ever received from them. In addition PayPal stated if I do n't pay the ( {$64.00} ) in late fees on a credit card account I NEVER authorized, they would report my non payment of the late fees to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit card protection / Debt protection

Complaint: I received an email from my bank ( Wells Fargo ) telling me that I would be receiving a new credit card because my card " may be at risk for unauthorized transactions. '' I called to ask what caused the bank to take this action. Someone at the Wells Fargo Fraud Department told me that there had been a financial data breach at one of the merchants I had done business with. I asked for the name of the business, but was told that " XXXX does n't supply that information to us. '' He said that after the whole XXXX episode they do not disclose company names. How is this legal? Do n't I have a right to know who made my financial information vulnerable? 
Now I have to contact all the companies where I have automatic deductions to update my financial information. It would seem that XXXX, and possibly Wells Fargo, is n't interested in protecting consumers as much as it is in protecting the shoddy security of unnamed corporations.

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 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I just want my credit score, and none of the websites are allowing me to do so. It asks me questions that do not relate to me at all, Asking about loans I do not have etc, it usually asks questions I know the answers too since I am who I say I am, I just need some real help getting it, this is to complicated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient reps told me there was no way to lower my payment multiple times on the phone. I was told another time when I inquired if they could be lowered because I now had a XXXX dependent nephew living with me full time and relying on me 100 percent for support that adjusting the number in my household would make my payment go UP. I was told I could take forbearance which I have had to several times due to my new dependent and the strain it caused on my finances. I was not informed until recently many of the payments I had made were not going towards time on IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification since my layoff in 2009, I have been denieded XXXX times by XXXX different loan companies the latest to be Bayview Loan Servicing everytime I apply my loan is sold. I am just looking for a little help in keeping my home. I will upload my hardship letter so you can read the whole story.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: our loan is biweekly with a payment amount of {$360.00} every 2 weeks. Our monthly statement show our monthly payment as {$360.00} despite that being the payment every two weeks. Our annual escrow analysis also shows our monthly payment as {$360.00} which is not even half of what would be monthly. Nationstar began servicing this account XX/XX/2015 and it has been wrong every month. We have repeatedly contacted them through their corporate offices and only get promises to fix it. We feel our statements should be correct.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Dispute and request for debt validation was requested to Experian on XX/XX/XXXX for the following : XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX On XX/XX/XXXX- I called Experian to get the results and spoke to XXXX XXXX XXXX XXXX. XXXX informed me that Experian does not request validation of an account. He also stated that the accounts mentioned above would remain on my credit report. This practice is illegal, as the bureau is obligated to confirm/validate accounts upon my formal request. Also, they did NOT do a formal investigation. 

I filed a complaint with BBB ( attached ) as validation was never received, for neither account, nor are either of the creditors licensed to collect in the state of Illinois ( attached ). 
XXXX XXXX agreed to remove the collection ( attached ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has been taking money out of my account every 2 weeks since XXXX 2015 when I enrolled in their " Equity Accelerator Program ''. They have been misapplying payments to my account and now there are late fees and I 've been getting harassing phone calls from Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Transcontinental Credit & Collection Corp (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have told them I will not have a job until after XX/XX/XXXX, that I am in school, and in training. They call while I am in school, and in training disrupting that, and I have told them I XXXX in XX/XX/XXXX, and I wo n't have a Job until after that, and to leave me alone until after that. I can not pay if I can not work, and I can not work while I am in school. I am taking steps to obtain a job, but they are not listening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation