milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX on two separate occassions. One location in XX/XX/XXXX and it was mysteriously shut down, re enrolled in the " new location '' in XX/XX/XXXX and school was also shut down. We were told the school was closed due to lying about credits being transferable in which I found out to be true from not being able to transfer my credits. For not being able to hold up on their end promising job placement which in my situation never happened. Now my student loans which were initially XXXX XXXX but are now with Navient are constantly adding up due to interest. They are negatively impacting my credit scores all due to them funding a non accredited school. I have since lost my merit with my employer due to a credit check and ca n't qualify to purchase a home because of the negative reporting from a few years ago. The balance is now under {$8000.00} but I am slowly repaying a debt that I should n't be responsible for since this school was clearly not accredited nor accepted by employers. I have spoken with Navient on several occasions but the most I 'm ever offered is deferment payment status. I was never told by Navient nor XXXX that most students that attended that school was having their student loans dismissed. No representatives ever shared with me that would have been an option for me. It is now XX/XX/XXXX and I have experienced this nightmare of student loans for almost 10 years. I am afraid when it is time for me to return to school this will prevent me from being able to qualify for a loan if needed and that if not removed or negative remarks removed from my credit report it will also prevent me from obtaining a much needed promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with ENCORE CAPITAL GROUP INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I checked my credit score today and noticed that it went down XXXX points, with that being said I noticed that Midland LLC was removed and replaced back on my credit file with a new report date of XX/XX/2017, this is not new credit..this account has been on my report for a while incorrectly. This incorrect posting has re-increased by debt by an additional {$2200.00} and decreased by score by XXXX points. I was never notified by XXXX, XXXX or XXXX that that they would be doing a re-insertion of this account on my credit. I request that it be remove ASAP because this is a violation and and requirement by FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX, XXXX I faxed a discounted payoff offer to WELLS FARGO HOME MORTGAGE for 2 loans I have with them. 

On XXXX XXXX, XXXX I spoke to XXXX with ID XXXX and she transferred my call to XXXX ID # XXXX of the Home Reservation team and she was not able to assist me therefore she transferred me XXXX of the " Re-Entry '' team of Wells Fargo Home Mortgage. 

XXXX explained that I NOT am eligible for a loan modification, however I received a letter from Wells Fargo Home Mortgage that I am eligible for options that included loss mitigation in a form of a loan modification, short sale, deed in lieu etc., she further stated that this letter was approved by CFPB. 

My concern with Wells Fargo Home Mortgage is there contradictive behavior. When I explained to XXXX that I have a letter from Wells Fargo Home Mortgage condricting her statement of eligibily of loan mod she said its " generic '' CFPB approved letter that everyone gets. 

Well I was shocked to believe that the CFPB would allow to send generic letters to go to consumers stating that they have loan modification options when in fact they do n't! 

I finally asked XXXX since according to her I am not eligible for a loan modification, what am I eligible for? She replied, deed in lieu or short sale. She said the short sale must be in 10 days prior to the sale date. 

I proceded with a short sale option and Wells Fargo Home Mortgage accepted my short sale documents but after a few days of requesting documents the loan XXXX XXXX XXXX removed it. 

My complaint is the emotional and mental abuse Wells Fargo Home Mortgage has put me through by telling me what I am eligible for in writing and then contradict themselves and then tell me I can still conduct a short sale and I commit to it and then they tell me no even when timely. 

I need the CFPB to interject and reprimand Wells Fargo Home Mortgage for the deceptive games they conduct upon consumers like myself. 

I further ask the CFPB to investigate their wrong doing and bad faith actions against me.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: Disputed an Equifax report inXX/XX/XXXXwhere I disputed a foreclosure on my report however the account could not be verified by the correct mortgage company. Equifax is stating that the account was verified however I have a letter from XXXX XXXX stating they have never been in control of the account which was held by XXXX XXXX. XXXX went bankfupt in XX/XX/XXXXtherefore the account can not be verified with the dates, loan amounts etc ... .This is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Other financial service (Debt settlement) with National Budget Planners of South Florida, Inc (NY).
Issue: Fraud or scam

Complaint: As of XXXX XXXX I had repaid my debt with an excessive amount. On that day, according to my account NBP sent a reimbursement check to me. I have not received it. When I contacted by email I was told to contact XXXX, to whom my last payment was made. When I contacted by phone two weeks ago I was told the holiday weekend may have slowed the check in the mail. I was told to call back at the end of the week if I had not received a check. This week I contacted XXXX, which actually showed that I had a XXXX cent credit which they promised to send to me. I called NBP immediately after and was told that XXXX owed me. I explained that, no, according to both statement and conversation with XXXX, they do not owe me more than XXXX cents. After being placed on hold I was told that I could call back after the XXXX of XXXX because only then would they be able to void the check and send me payment. I might also add that every month I received an email threat that they would take my monthly payment from my account and if there were insufficient funds I would lose even more money. They, apparently, do not hold themselves to the same standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Debt collection (Auto debt) with Augusta Collection Agency, Inc. (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I've have been dealing with Augusta Collection Agency Inc.. for awhile. I understand that the debt is mine and I am willing to pay it but I feel like I'm being treated very poorly and unfair. I have call them to try and settlement the debt in full but they refused, the sued me and did not properly informed me because I was living out of state and could not make it to the court date being that it was 3 hours drive to get there. I've asked multiple times to resend me paper and/or information and their response was that they already sent me paper and that they don't have to if they don't want too. they threaten to ruin my credit and that they will sue me again. They are very unprofessional in how they talk to me and they don't care about anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mother passed away XX/XX/XXXX, at that time her Nationstar Mortgage account was past due {$1500.00}. In XX/XX/XXXX a cashier check and XXXX money orders were sent to Nationstar in the amount of {$1600.00} with a letter from my Attorney. They applied {$800.00} and I requested they research the other {$800.00} since no one was able to tell me where this money went. We sent proof of payment with copies of the money orders and the cancelled cashier check. Payment was sent monthly to Nationstar but unbeknownst to me the payments were short ( XX/XX/XXXX - XX/XX/XXXX ) but cashed by Nationstar. I discovered through calling the money order company " XXXX XXXX '' that the Money orders sent with the cashier check in XX/XX/XXXX were returned to them. The XX/XX/XXXX payment was also sent back to the XXXX order company. The payments for XX/XX/XXXX - XX/XX/XXXX were returned to my address and I received a Foreclosure Notice. The statement due on XX/XX/XXXX was for the amount of {$5000.00}, I submitted a payment of {$5500.00} through Certified Mail on XX/XX/XXXX. They did not apply this amount to the account and returned the checks to me on XX/XX/XXXX indicating this was insufficient amount and that {$6000.00} was due. The next payment is due on XX/XX/XXXX, the statement amount is {$5900.00}. I have tried to make the payments to Nationstar Mortgage, tried to contact the Assigned Foreclosure Prevention Specialist XXXX XXXX several times but this person has only returned my call once and he left a message. I have spoken with him once. Each time I have called Nationstar I have gotten a different story as to how much is owed, where to send it and if the account is still active. I need assistance with getting this account current. 

Any assistance you can give me would be greatly appreciated. 

Thank you, XXXX XXXXcell XXXXhome XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I made a payment online on XXXX/XXXX/XXXX. However, I was erroneously charged a {$27.00} late fee on XXXX/XXXX/XXXX by Comenity Bank, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX off I do n't owe these petty criminals XXXX anything. They intentionally committed fraud and deceit. Painfully obvious by the XXXX XXXX payback they stole from there customers. These clowns have taken me to XXXX seperate collection agencies. NOW I just seen a fraudulent claim in my experian credit report. XXXX refused to get accountable, now these petty thieves think they can harass and scam my credit file. This is criminal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with Rent Recover, LLC (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My husband is a Veteran we was living at an apartment in XXXX XXXX, due to financial difficulties we had to break the lease. We paid all our rent up to the month we left. We break the lease 2 month before the lease was up. For the 2 years we were living at the apartment we never miss a payment or paid late. When we were leaving we went to the office spoke to the apartment personnel about breaking the lease and told them we will pay when our situation change they promise they wont put it on our credit and turn around and sold it to a collection agency that place it on our report and has been bugging us. This fee is just for breaking the lease 2 month before it ended not for owing rent now we have to stay on base with a family member because we cant get anywhere to rent with that on our report

Company response to consumer: Untimely response
Consumer complaint received 09/23/2015 about Debt collection (Mortgage) with Gordon, Aylworth & Tami, P.C. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX, attorney for XXXX XXXX XXXX, applied a line item to my already discharged bankruptcy for {$14000.00} in fees for himself. The bankruptcy was discharged in XXXX, XXXX. XXXX XXXX XXXX did n't even acquire the mortgage previously held by XXXX until XX/XX/XXXX. The amount for attorney fees was applied in XXXX or later. There is no date on the entry. On the bankruptcy documents, the attorney 's name is spelled wrong, as XXXX, but the word County is also spelled wrong. The address in XXXX, OR is where XXXX XXXX practices. I only discovered this addition to the bankruptcy records after a short sale failed in XX/XX/XXXX. This house was supposed to be foreclosed on in XX/XX/XXXX. I do n't know what the attorney fees are for, only that he was working for XXXX XXXX XXXX. There are similar, related complaints filed against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX and XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mother died a couple years ago and we have been working with the mortgage company to get the names changed on the account to no avail. We have provided numerous qualified written requests via fax and overnight mail, some of which we received a response well past CFPB guidelines or not at all. We have provided all of the information requested again, as recent as XX/XX/2016 and the account still has not been changed. Additionally, now it appears they have put the insurance in jeopardy of being cancelled. We have made every payment on time and the account is escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: In XXXX the account was opened and the original creditor was XXXX bank. In XXXX XXXX the account was sent into collections. The collections agency is Portfolio Recovery Associates LLC. I was in school at the time and unable to keep up with the payments. However, I am trying to clean up my credit score and when I called them to make a payment arrangement they told me they have now hired the law office of XXXX XXXX XXXX to sure me. They went into my bank account twice and took over {$1000.00} each time however the money was exempt because of wages so the court granted the money back twice. I have called them about XXXX times in the last year to try and make a payment arrangement and they always tell me they ca n't that its out of their hands and to call the law office of XXXX XXXX XXXX but when I call them they say the same thing or ask me to pay in full. Also I want to make sure the information is accurate in regards to the statute of limitations. I was young at the time but I am older now trying to fit these issues and this one seems to be the most difficult. On my credit report it shows that Portfolio Recovery Associates is the collections agency so I do n't understand why they can ; t just make a payment arrangement with me or settle. There is nothing on my credit reports about " the law offices of XXXX XXXX XXXX '' and I find nothing but bad reviews on both of them. I just want a clean slate and to end this nightmare. They continue to threaten me overtime I call telling me that if I do n't pay in full they 'll be coming after me for everything in the years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: XXXX XXXX, 2017, I sent to you a QWR and Debt Validation request. Request for information under Regulation X 12 C.F.R. 1024.36 and Regulation Z under 12 C.F.R 1026.36 - Upon review you did not provide specifically requested the Full Name and Address of the Entity that is owner or assignee for the Note, located at : XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: THEY WENT IN MY BANK ACCOUNT WITHOUT MY AUTHORIZATION. I had a credit line with paypal. Before the account went to collections they tryed to do a ach payment that i did not authorize, meaning they went in to my account without my permission. The bank rejected the request that pay pal attempted. The reason I know they had my account # is because paypal 's representative told me the last XXXX. An she also told me that a representative probably tried to run it after i told one of them not to. I only put my card number on there site. I never linked my bank account number.That is dangerous. so I just gave them my card number. Some how they got my account number.Not only did they do that they told me the amount was due on the thirteenth but attempted the ach on XX/XX/XXXX .To my knowledge that is illegal. The way this whole thing is going is predatory lending. I have received many calls some of the calls back to back on one of those calls a representative was yelling and screaming at me after i told her that I set a payment for two weeks later .I will never ever work with pay-pal ever because if i had money in that account they would of taken it without consent.They already have a class action lawsuit against them as we speak. So at best they are Shady.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Optimum collections agency filed a fraudulent derogatory remark on my credit report with the XXXX credit reporting agency. XXXX XXXX Hospital, XXXX County, NC, neglected to enter the appropriate data into their database.. The emergency room debt, {$30.00}, was paid in full by husband 's XXXX XXXX veteran medical insurance policy that includes family too. The XXXX XXXX Hospital and XXXX XXXX hashed it out and the debt was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 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: The address on my credit report for capital XXXX is incorrect. I disputed the inquiry and they said they verified it and for me to contact the company. When I sent the letter to the company it came back. This is n't the first time I had a letter to return because of the wrong address. I have attach another letter that was returned to show that they are reporting incorrect information on my credit report.

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 11/19/2016 about Debt collection (Federal student loan) with GREAT LAKES (OK).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My Federal Loan Servicer, Great Lakes Educational Loan Services ( GLELS ), created a new Unemployment Deferment form OMB No. XXXX ( Expires XXXX/XXXX/2018 ), which authorizes " them '' to contact me " only '' by cell phone on page XXXX of the form. I " only '' want to be contacted by GLELS through the U. S. Postal Service and I want my loans discharged according to the discharge clause in " our '' Master Promissory Note contract, where I was a victim of crimes by the University XXXX XXXX XXXX XXXX ( XXXX ) employees. 

I have asked that my Federal Student Loans be discharged due to the beating, discrimination, and fraud I suffered from employees at OUHSC. Therefore, I am registering a complaint about this form with the Honorable Senator XXXX XXXX ( XXXX ). Furthermore, I am writing President-Elect XXXX and President Obama about this matter requesting my student loans be discharged and those that committed crimes against me regarding this matter be immediately arrested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (FL).
Issue: Managing the loan or lease

Complaint: My husband and I purchased a car through a local XXXX dealership approximately XXXX XXXX years ago. We obtained financing through the dealership who elected PNC Bank to finance the transaction. At the time we had no objections ( and still do not with the terms/structure of the loan ). However, PNC 's policy, which was described by their representative as industry standard, is to automatically enroll borrowers in paperless billing for revolving loans. I 'm a millennial and have no issue with paperless accounts ; however, PNC bank has made it virtually impossible to gain access to the online account because:1 ) PNC Bank 's online banking system does not recognize car loan account information ( and the online account information was never mailed to my home ). 
2 ) The customer help line resulted in an hour and a half of cumulative wait periods. 
3 ) The only online help is available via XXXX. That 's right. XXXX twitter. 

Again, I 'm a millennial and am disgusted by the notion that I 'm subjected to 1.5 hours waiting online for customer assistance or the use of XXXX ( which by the way I tried this platform and could not be assisted via this platform ) simply to gain access to my loan information which should be provided, either via email or printed, to consumers, unless the borrower specifically opts into such a program to limit receipt of their statements. 

It is noteworthy, 2 months later my husband and I got another car, this time with financing provided by XXXX XXXX XXXX and I was NOT enrolled automatically in online statements. I have received a letter in the mail every month with my account information. 

Having access, regardless of being a revolving account, is critical for consumers to manage their accounts, debts, repayment plans, etc. For our account, we have been doubling our car payment and I truthfully, have no idea how much we owe on his loan. I was able to find out the information back in XXXX when I contacted PNC bank, but have subsequently misplaced my log-in information and have not been able to gain access to my accounts since. ( I asked at the time during the call for paper statements but was advised she could not make the change, I had to apply for the change via my online account ). 

Making it this difficult to gain access to loan statements is a significant disadvantage to the consumers. 

Thank you CFPB for your help.

Company response to consumer: Closed with explanation