milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eastern Account Systems of Connecticut, Inc. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: There is a {$590.00} collection account from XX/XX/XXXX on my XXXX credit report. I have disputed this multiple times, and it still remains. Eastern account system is the collection agency, and XXXX XXXX is the original account. 
When XXXX came to my door in XX/XX/XXXX, XXXX XXXX promised lower distribution rates than XXXX for electric, so I signed up. After months of being over-billed dramatically, I called to cancel and be refunded and XXXX refused. 
They did not hold true to their promises. Recently, upon my investigation, I found there is a class action settlement against XXXX XXXX for services provided from XX/XX/XXXX through XX/XX/XXXX for OVERCHARGING CUSTOMERS. I am a part of this settlement. I should have never been overcharged. XXXX charged me a total of {$890.00} ADDITIONAL on my electric bill from billing periods XX/XX/XXXX through XX/XX/XXXX. Of this, {$590.00} was unpaid once I caught on. 
I have called XXXX and a new dispute was opened since I discovered the class action settlement. Per the results, Eastern Account System validated the collection amount and stated it will NOT come off my credit report. 
I have contacted Eastern Account System 2 weeks ago, and they stated there is nothing they can do.

I have attached all XXXX bills which include over charges for XXXX XXXX. I have also attached my current XXXX credit report, and the dispute results. 
**Any and ALL information can be found at XXXX XXXX XXXX  regarding the class action settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I have a loan servicer ( Greentree/Ditech ) that has called us at times 3 & 4 times a day, at least. They have imposed unwarranted fees, not applied funds, just an on going pattern of harassment and misconduct. We understand they were involved in a lawsuit initiated by the FTC. We feel we were omitted, lost, or otherwise unaccounted for as we have not been contacted regarding any settlement. We also feel they are raising the interest rate illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for years now to save my home, everything including mediation, failed to provide any hope. The bank or banks agent, and mangers that I could supposedly negotiate with constantly changing, causing my efforts to get pushed to the bottom of the list. I have gone as far as to hire an advocate for {$5000.00} to help in the process. My loan has been mis-handled by my lenders, my lender continues to not discuss financial options that are available through both internal and government programs. My original loan documentation was signed by a rubber stamp not a bank VP. I believe this loan to be predatory in nature, however I just want to work out a reasonable payment with a reasonable rate. I am even willing to forego future claims against the lender in order to receive a fair deal. Its unfortunate that people have to go to these lengths just to get someone to listen. I hope they will listen. 

My home is set to be auctioned off on XXXX XXXX 2016, I hope that this will prompt the lender to finally work a deal with me. I 'm gainfully employed and my income ratios are within the guidelines to make a fair deal happen. My documents have been submitted, and the clock is still counting down. The crazy part of all of this is this could be fixed with a 5 minute phone call with someone who is empowered by my lender to make these decisions. The lender did n't even show up to my mediation, and could n't be reached by phone. Lastly, because I could go on for hours, These Banks got bailed out ... I 'm just looking to be treated fairly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: FedLoan Servicing 

I have been enrolled in IBR, quite successfully, with FedLoan Servicing for over 5 years. On   XXXX   XXXX  ,  XXXX  they received my IDR request to switch from IBR to REPAYE, and said "Within the next 10 days (if not sooner!), we will review your request and send a follow up email of next steps and any additional actions needed."

On   XXXX   XXXX  ,  XXXX , I received a message from them saying "We will send you information about your request as soon as possible... Thank you for your patience as we process your request!"

On   XXXX   XXXX  ,  XXXX , I called them and asked what was happening. I explained that I had submitted a request to move from IBR to REPAYE several weeks previously and still hadn't heard anything. They said I needed to have patience. Then the customer service rep said "oh, it has been a long time, you submitted on   XXXX   XXXX  ." The customer service rep said I'd hear "soon".

On J  XXXX   XXXX  ,  XXXX , I received a message saying:
"We will process your Income-Driven Repayment (IDR) recertification request once the final bill of your current schedule is generated on   XXXX  .
Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request.
Reminder: Continue to make your normal monthly payment amount. Your payment amount may change, but we will notify you of the new amount and when it is first due."

I called them within an hour of receiving that message to ask what was happening and to translate the email. The customer service representative said I'd receive a notice "soon" that would be a $  XXXX   invoice for the next month's payment. After that $  XXXX    payment, I'd be made aware of my new REPAYE monthly payment. And then, in   XXXX   XXXX  , I'd have to recertify my income and calculate a new REPAYE. That seemed reasonable.

Today is   XXXX   XXXX  , and I haven't heard anything. I'm frustrated with the communication and customer service from FedLoan Servicing. I need help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Student loan (Private student loan) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In XXXX XXXX, I was contacted by XXXX XXXX, based in Mississippi, about consolidating/refinancing my XXXX XXXX student loan, which had a relatively low fixed interest rate. The XXXX offer included a 0.25 % discount for signing up for ACH withdrawal linkage, as well as a 1.0 % discount for on-time payments. When I originally spoke with the loan officer, the loan was to be reamortized over 30 years. However, by the time Within a short time, XXXX was acquired by XXXX XXXX XXXX XXXX XXXX XXXX This transfer did not affect my payment schedule. Then in XXXX, XXXX was acquired/sold the loans to XXXX. At this point, my payment was jacked up from $ 200/month to $ 300/month and the amortization changed from 30 years to 20 years. 

Not long later, the note was transferred to XXXX. Then it was transferred to XXXX. At this point, XXXX raised my interest rate to 4.50 %. I attempted repeatedly to resolve the matter, but their XXXX XXXXervice reps always refused to hear my complaint or to escalate the matter. They also refused to provide the complete original loan documents including the Promissory Note and Amortization Schedule. I informed them that they assessed my loan as ~ {$10000.00} more than I owed. 

Then this summer - XXXX - my note was transferred to Nelnet. NelNet claims that my interest rate stands at 5.5 %. They are unable to provide any documentation about my loan. The federal government 's website, http : //studentloans.gov, also comes up empty when I search for any promissory notes or amortization papers. 

According to my estimate, my student loan was paid off this summer, in XXXX XXXX. Therefore, I have overpaid NelNetXXXX by ~ {$600.00}. I hereby request a full refund of the amount I overpaid, and to have the debt eliminated from my credit reports, declaring the loan PAID IN FULL. 

I look forward to your response. 

Sincerely, XXXX XXXX XXXX Rhode XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: *Submitted loss mitigation package XXXX/XXXX/2015. File was deemed complete XXXX/XXXX/2015. 
*This file has been in and out of review 8 times. I have attached dates and case tracking for your review. 
*I have escalated this file to Ocwens escalation department on multiple occasions. I have also attached those documents for your review. 
*I am asking for your assistance with the loss mitigation process with this servicer, Ocwen . The only response that I have received from the last escalation is " under review ''. Documents are aging, not because of a delay with the borrower, but because of Ocwen. The borrower is faced with great difficulty each time a document is requested. It feels as if this servicer wants the borrower to give up. Each delay is pushing the borrower to that point. The borrower does not have enough equity to make a reverse mortgage feasible. Prior to entering into the loss mitigation process the borrower had researched refinance options but was told there was no way to approve because of income. She could not have afforded the appraisal or closing costs to refinance. 

*We need help and oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX attempted to collect debt from a credit card I never opened in the summer of XX/XX/XXXX. I called them and explained I did not open that credit card. They sent me a form to fill out. I filled it out and returned it. They called and said they are discharging the debt. 

Early in XX/XX/XXXX I received a letter from XXXX  attempting to collect the debt. I called and explained it wasn't mine. They informed me they would put a dispute on my account. A couple weeks later I received a letter explaining they reviewed my account and determined the debt is correct. They included a letter that only states my " debt '' was sold to XXXX. I called and was bounced around and no one could help me. I even explained I would file a police report if it would end this situation. They are still trying to collect a debt that is not mine.

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 08/21/2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: I have a 30 yr fixed rate loan with this bank.Every month they hold out auto pymt from my bank account that includes interest and principal. I started sending a extra amount to them which should go right to the principal no interest. I talked to them about it once and they went back to the correct way but it messed up the way they figured the interest into the loan.Time went by everything all right then they did it again the loan is fixed any extra money sent to them over the pymt amount should go to principal.It is not a huge amount but it will change the whole figures on the loan since it is already fixed for the life of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with COMMERCE BANK (MO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Commerce Bank of XXXX XXXX sent to me, a replacement for my Visa Card which included a chip. It also included a debit feature which I did not request. I have used this card many times and sometimes, even though I specifically instruct the vendor to run it solely as a credit purchase, Commerce Bank treats it as a debit purchase which they deduct from my checking account without my knowledge or consent. Each vendor informs me that the vendor can not run it as a debit transaction without a pin number, which I don't have or use, therefore the vendor assumes it to be a credit purchase. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX, credit transactions were processed by Commerce as debit transactions without my knowledge or consent. After reviewing my statements and discovering these inappropriate transactions, I have contacted Commerce customer service and again, about XX/XX/XXXX, I appeared at the local branch to, again, inquire about these transactions. Each time the customer representative says that they have put in a request to remove the debit feature and each time it doesn't happen. I also sent to them, an email on their customer service page and got no response. I specifically told them that if they did not remove the debit feature, I would file a complaint, again, no response. Please process. 
On another issue, sometime last year, I visited my local branch and told the representative I was contemplating obtaining a credit card from another vendor because I wasn't getting any benefits like points. The representative informed me that I should have been getting points and when I told her I wasn't, she looked into it and now I'm getting them. Points awards should have been awarded retroactively to the time where points began to be awarded, I shouldn't have to inquire about benefits like points. Please process. DR

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I disputed through  XXXX  and now there are an additional  XXXX  inquiry on my report. They should have been removed because I have n't applied for credit in over a year.

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 11-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have been calling for over a year and a 1/2 because I am temporarily totally XXXX I have been asking them for help being that I have no income and no money because I am unable to work due to doctor 's orders for my injuries they laughed at me told me to get my stuff together and go to work they told me that being XXXX is a joke and that I need to get over it so they are discriminating against me for being XXXX they have been harassing me calling me from automated systems when I have repeatedly in the past told them that they are not allowed to call me from automated dialers when they have asked me multiple times I have called him crying and asking for help and they pretty much told me they 're gon na get an attorney to send me to a collection agency I do n't know what to do and they will not help me The school I attended will be closing the coming year of 2018 anyway so maybe there 's some sort of way that can help me as well as I was told by some people that that would help because I did n't not graduate from the school and they are closing I do n't know I just need some sort of help I am hurt I am unable to work I have no money and I 'm being harassed by their automated systems and made fun of for being hurt by their employees

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I disputed the inaccurate reporting from Carrington MS reguarding a 90 day late in XXXX 2015. Carrington investigated the issue and said that the information was indeed incorrect and that they would update the information, and it would reflect on the next reporting in XXXX 2015. There has been no update done to the XXXX credit bureaus. We are trying to close on a house and XXXX companies will not proceed until it is corrected. I have waited long enough and jumped through so many hoops to get this resolved. It has hurt our credit score and caused us to pay higher interest rates on purchases we have made. I have talked to Carrington MS and they explained that they did there part, and I was more then welcome to contact the research department by mail, which would take longer. I want the information updated and reported immediately, therefore we are able to close on our home and never deal with Carrington MS again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Managing the loan or lease

Complaint: Chrysler has defrauded the CFPB with their false response to my claim, Case number XXXX claiming to be in process of fixing my problem. They instead continue to harass me with telephone calls demanding money that I do n't owe them. This is despite me telling them on numerous occasions, including by written notice, to CEASE and DESIST. Just this morning, XXXX XXXX, almost a full MONTH after promising to fix their mistake, they once again made a harassing telephone call to me, at XXXX PST. My account information visible online still falsely shows that I am supposedly delinquent in my account, which I am NOT, even as confirmed in their own letter responding to my original complaint. I am hereby formally asking the CFPB and any other Federal agency with jurisdiction to take appropriate enforcement action as required by law against this utterly incompetent and corrupt outfit!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Student loan (Federal student loan servicing) with Financial Assistance Inc (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: When I consolidated my student loan debt in XXXX, my XXXX XXXX XXXX, issued by XXXX XXXX, XXXX, WA of {$2700.00} was omitted in err. I had no idea this loan had been left out until it was placed in the hands of collection agency, FAI in XXXX, WA. I made a financial arrangement of {$200.00} per month. When I inquired about a statement of account, I was ignored, time and time again. I stopped paying after 7 months of payments, as I was concerned about the total of the debt and how my payments were applied. In XXXX, a lien was placed on my home for {$5600.00} ish, with finance charges still acruing. I had no idea that a lien was placed until I recently ( last month ) put my home on the market to sell. FAI and XXXX XXXX have both been unresponsive as I have tried to inquire about the amount of debt. I would like to resolve this debt but feel the payoff amount is excessive and unfair. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown, and no verification provided, I am also XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On  XXXX   XXXX ,  2017 , I applied for a  Schwab  checking account, a High Yield Investor Checking account ( see Attachment B, page  2 ). Schwab  ran a  XXXX  inquiry on that same date ( see Attachment A.pdf, page  XXXX  ).     On  XXXX   XXXX ,  2017 , I received a letter from the company, stating my application for the account had been declined, due in part to information on   XXXX    (  see Attachment B, page  7  ).     I applied again for the account sometime before  XXXX   XXXX ,  2017 . The company again declined my application stating the same reason as in the  XXXX   XXXX ,  2017  letter ( see Attachment C, page  1  ).     I do not see what it is the company sees on     XXXX   that would bar me from opening a checking account with them.

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 01/17/2018 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I came to CFBP regarding this very matter in XXXX. Now CFPB has initiated this ... 

" CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} Million and Stop Suing for Invalid or Unverified Debts XX/XX/XXXX '' I understand that the CFBP could not assist at the time for whatever reason in XXXX referencing case number : # XXXX. When I came to CFPB asking for the assistance. After I did my research I found that I never even knew XXXX XXXX XXXX XXXX XXXX. and that I had never had any dealing with them at all. I am requesting that CFBP add XXXX XXXX XXXX to the above referenced publication on the CFPB website.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (OK).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a Walmart master card. I pay my bill early every month. I made a payment of XXXX usd and it was an early payment but they charged me a late fee because the payment was not what they recommended. Then at some time in the last 2 months I 've been charged XXXX dollars. I have a situation in my life that no one can fix. I think someone paid them to up my bill

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