milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Student loan (Private student loan) with Constar Financial Services, LLC (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I attended XXXX University in XX/XX/XXXX-XX/XX/XXXX. To pay tuition and help with expenses, I took out a XXXX XXXX Signature Loan from XXXX XXXX. I ended up getting a job offer from XXXX in XX/XX/XXXX and never attended classes at XXXX University in the Spring semester. XXXX XXXX paid the school and XXXX accepted the money against my wishes. I went into repayment and paid my loans until I was laid off in XX/XX/XXXX. At that point I began to use economic forbearances until I was no longer allowed to do so, at which point I was unable to pay. I received harassing calls from Cell Phone numbers requesting payment which I was unwilling to give to a cell phone and unable to give due to economic circumstances. In XX/XX/XXXX my situation improved and I received a good paying job. I tried to get in touch with XXXX XXXX but was completely unable to do so. In XX/XX/XXXX I returned to school on a part time basis. I remembered that this should qualify me for an in-school forbearance, and so I signed into my XXXX XXXX account. Fortunately my loans were not defaulted! I could not request forbearance through their system any longer, but I could contact them. I sent them a message through their system informing them that I had returned to school and was seeking in-school forbearance. I also contacted their provided phone number and was sent to an answering machine. I left a message. I never heard back through either e-mail or phone. In XX/XX/XXXX, I was informed that my student loan debt was now XXXX XXXX. I assumed that XXXX  XXXX knew that I was back in school and had automatically deferred my payments because I never heard anything else from them. In XX/XX/XXXX I was informed that my loans had defaulted. I was offered a very nice settlement offer, but unfortunately I was unable to take it at the time. In XX/XX/XXXX I was sent another message letting me know that my debt belonged to a company called " Constar '' and they expect full repayment. They gave me the options to dispute the debt in writing, which I did. This debt should not be defaulted as I am and have been in school on a XXXX XXXX basis for the past 4 years. On XX/XX/XXXX I received a response of a single promissory note from XX/XX/XXXX with a note that " We are confident that all your questions should be answered by the enclosed documentation ''. I also received letters letting me know that these loans would be sent to law firm. The letter says that if I have until XX/XX/XXXX to respond, but when I tried to call the number provided I was once again sent to an answering machine. I left a message but have not heard back. Now I 'm writing to you.

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 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have been requestign a credit report freeze to be lift temporarily with all credit reporting agencies. XXXX and XXXX were fast and efficient. Experian on the other hand has been extremely difficult first they NEVER sent to me the PIN number upon the original freeze being placed in XX/XX/XXXX ( I have all the paperwork from a case of identity theft ). When I requested the PIN number to be sent on XXXX XXXX XXXX, the person on the phone indicated that he has requested it and it will arrive in 7-10 days. When it did not arrive in 7 days I called again. It seems they had no record of the request being put into the system, when I was not satisfied with the answer provide - put all my information into the system to request a new PIN, I requested this case be escalated it to the next level of management. This was done but only after I insisted 3 times. Then I was deceived and lied to - first that no agency had requested my credit report ( in fact XXXX had as I am in the process of taking out a home equity loan and buying a new house - both confirmed on the phone and in writing that the lenders could not access my Experian account ), XXXX ) was told that there is no one that this person ( XXXX ) reports to when I asked to escalate to the next level ( now I was feeling lied too - this was corrected - apologetically ), when asked if the PIN number could be expedited I was told no this is the process - then the supervisor indicated it could and he requested it - indicating it should arrive on Saturday ( it did not ). Experian is a deceitful company with internal processes that do not work and are holding customer hostage. Any agency or company with this level of importance ( all the banks use all XXXX credit rating agencies ) whose actions are deceitful, inaccurate and less than trustworthy should not have this level of responsibility. If they can not get this right - how do they effectively calculate a credit score???

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 11-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX credit ... a debt collector ... has filed without following guidelines of fcra

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Was on a military contract ( training ) under which outside the military facility communication was highly limited, was not allowed to make phone calls or use internet while we were training. 
The individual in charge of my accounts failed to make any payments on my credit card leading to default payment for the month of XX/XX/XXXX-XX/XX/XXXX, which meant i was over 30 days late for the payments. 
As a result, my credit company sent my payments to the collection bureau which led also affecting my credit which i was trying to build. 
I did explain this to the my credit card company but they said i had to dispute this with one of the credit score companies ( experian was suggested ) As of today, i have been making payments on my card but i can no longer use it since the credit company locked it

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 11-03-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (UT).
Issue: Problems when you are unable to pay

Complaint: Santander was charged off as bad debt but it was paid and settled years ago and been a XXXX balance. Out of no where they did a new update on my credit report which is affecting my financing. They are in violation for continuing to damage my credit file. When I contacted them about it they said " if I paid them {$2000.00} they would delete it '' ... I have already paid and settled per our agreement years ago and the balance is XXXX, Im not sure why they are trying to blackmail me?

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: The property located at XXXX XXXX, XXXX, GA XXXX was purchased in XX/XX/XXXX by XXXX XXXX the borrower and I XXXX XXXX, her husband, was added to the title only at closing. 
On XX/XX/XXXX we were granted a divorce and the property was awarded to me. Thereafter I learned that the payments had not been made and was {$4700.00} due which I brought current. I continued making payments until I was laid off and collected unemployment at which time I sought the help of an attorney to assist with a modification. The firm of XXXX reviewed my financials and gave me a schedule which included {$5500.00} for the mortgage company, plus other debts totaling {$12000.00} for 60 months at {$230.00} monthly. until it was dismissed, The loan was with Homeward Residential, Loan # XXXX and sold to American Home Mortgage Loan # XXXX which statements were being sent in my name since I was making the monthly payments after the decree.and quit claim deed was sent for their records Thereafter the loan was again sold to Ocwen Loan Servicing Loan # XXXX and when I tried to communicate with them they refused stating I was not the borrower. I tried for months to communicate but was unsuccessful until I received correspondence in my name that the property was being foreclosed. With the help of a housing counselor we contacted the attorney who assisted with us to be able to speak with a supervisor at Ocwen where I was assigned a Single Point of Contact who scheduled several appointments and gave me information to submit forms and complete documentation for a modification which was done. The foreclosure was postponed and I requested to have the property refinanced in my name which I believed was being done. I later learned that the modification could not be done in my name as my ex-wife was the only one on the mortgage.I was then offered a short sale and took all the steps to provide the required paperwork. I inquired if my father who was living with me at the time could purchase the property and was told yes and had him qualified.. In speaking with the Counselor who informed me that it was unusual to do an arms length transaction and suggested I speak with someone directly in the Short Sale department who stated it could not be done. 
At the last scheduled appointment the XXXX informed me that I could reinstate the loan the day before the new scheduled foreclosure sale date which is XX/XX/XXXX by paying the amount of {$47000.00}. 
At this point I am requesting your assistance in what can be done to keep my home as it have been over two years and I have had no resolve.without getting the proper information from the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (PA).
Issue: Trouble during payment process

Complaint: I am writing CFPB again in response to DiTechs comments and because I am still seeking relief per CFPB from DiTechs harassment, which is beginning once again, already. DiTech is AGAIN Ballooning my account balances and sending me threatening monthly letters as if they are unafraid of any legal action against them or the revealing of their cycle of threatening and harassing actions against me through my post to CFPB and other agencies. As you will recall I received through DiTechs methods a letter : 1 ) OnXX/XX/XXXX stating that I could get help to pay their fictitious balance of my account ( DiTech ballooning my account balance over 2 monthly payments ). 2 ) OnXX/XX/XXXX I received another more harassing and threatening letter stating that DiTech will accelerate default into foreclosure unless I pay a certain amount of money to them. They stated that this fictitious amount is the TOTAL AMOUNT DUE of the months through the date of the letter as the date of the letter reads. ( NOTE : I paid this amount in 2 installments BEFORE the due date. ) 3 ) I also made a XXXX payment 4 ) So the question is : How can I then receive a letter the following month,XX/XX/XXXX, starting the cycle of harassment over again, stating that I can seek help for over 2 months of unpaid previous payments? This after paying payments for a letter that states TOTAL AMOUNT DUE. 5 ) How also can that same months billing statement reflect over 3 months past due? XXXX Billing statement shows me owing still {$1900.00} and then next month, XXXX Billing statement, shows me owing almost 2xs that for almost 4 months of payments at {$3100.00}. 6 ) More importantly, I paid over {$1900.00} Before XX/XX/XXXX and the payments listed for me through DiTech, for that month are only {$1000.00} Where is the rest of the money I paid? 7 ) The 2 payments I made in XXXX are NOT AT THE BOTTOM OF ANY BILLING STATEMENTS. They should be at the bottom of at least Mays Billing statement, BUT SOMEHOW HAVE VANISHED Please request documents as I have sent most in the previous complaint to you. While others are on the DiTech site webpage letters dated XX/XX/XXXX and XX/XX/XXXX are not on the site but were mailed to me and have been submitted to CFPB. If you need more documents please let me know. I am sending this complaint because while I have responded to the companies response on this site I do n't know if you received it so I am opening up a new opened complaint referencing # 's XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company, XXXX began calling me in the middle of XX/XX/XXXX. I know the name of the company because when they left me a voicemail ( only 2 times out of the 30 times they've called ) it stated the name of the company. After they called me about 5 times I answered and the woman asked me my birthday, I said no and then she asked " I know the day and the month why don't you just tell me the year? '' I responded no and then she simply said we will send something to your home address and she abruptly hung up. I got another call just three days later. XXXX continued to call me throughout the month of XX/XX/XXXX. They call from different phone numbers every time but they always have a XXXX area code. Since they were calling so often and every time they called me while I was working, I simply changed my answering machine to say that if they are a debt collector to please stop calling me immediately. They still continued to call while I was working. After they called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I finally picked up on XX/XX/XXXX and told them to stop calling me again. Both callers I spoke to never stated the purpose or any information on why they were calling me. They simply said it was important business information and then continued to coerce me into confirming my birthday. They continued to call throughout the month of XX/XX/XXXX and XX/XX/XXXX while I was working. I am a XXXX so I simply can't just pick up the phone while I'm in the XXXX  and tell them to stop once again. The last dates that my phone logs indicate that they called my on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  They call while I am working and I've been forced to ignore their calls every time because I simply can not let this outlandish form of harassment jeopardize the safety of my operation.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Jefferson Capital System placed on my credit report a fraudulent report that I opened an account in XXXX of 2017 when I have NEVER opened and account with them. They are abusing their rights as Creditors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2016 about Mortgage (FHA mortgage) with Kwest Mortgage Group,  LLC (SC).
Issue: Application, originator, mortgage broker

Complaint: I am in the process of purchasing a home in XXXX XXXX, SC. I was set to close on XXXX XXXX, but the mortgage company ordered the appraisal too late, so the closing date was cancelled and pushed back. Last night my mortgage broker, XXXX XXXX, XXXX at Kwest Mortgage in XXXX, SC told me he did not want to close my loan, made fun of my credit score, told me he hoped I defaulted on my loan and spoke ill of me being on the loan as a single female. This morning I woke to find out he had sent in a Statement of Termination to my lender and told them that I was withdrawing my application. I never told him I wanted to withdraw my application. He forged that. I do want to continue with the loan process. He forged my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: debt buyer, out of date debts must be part of those ) XXXX XXXX XXXX is the firm and XXXX XXXX is their attorney of record. I have just received a notice of a civil suit and am answering that at this time. The account that they bought is over 6 years old and closed, although I have no idea about what account it is since I have not received any communication from them that I know of until being served with a civil suit. The original creditor was XXXX according to the papers and the last payment was made, according to the suit on XXXX. I have filed a report with XXXX, the Attorney General of Oregon, and the Consumer protection agency. According to Oregon state Credit card XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX ( Oregon Court of Appeals Docket XXXX XXXX XXXX, 2012 ) and XXXX XXXX XXXX XXXX XXXX XXXX ( Docket XXXX XXXX XXXX, 2012 ) Spoken contract XXXX Written contract 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 10/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech adjusts my bi-weekly payment to be short of a full payment, sometimes as little as {$0.00}. I currently am set-up to make 1 full payment every other week. In addition there was XXXX occassions wher there was a reallocation and the amount of the principle increased and the payment went to unapplied funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (AZ).
Issue: Managing the loan or lease

Complaint: I was recently in a car accident and my car was totaled out. The insurance company paid Exeter Financial approximately {$6200.00} and because I do not have gap insurance I still owe approximately {$5500.00}. I immediately called Exeter Financial to see what they could do to work with me being that I no longer have the car. XXXX of the representatives said that I must still pay {$390.00} per month or I will be charged for interest and late fees. I said I did not know what I could do and was contemplating bankruptcy. Before I know it I am receiving collection calls for my car payment due XXXX/XXXX/2015 even though they just received a check from my insurance. Exeter Financial has a good contact number for me and knows my place of employment. After being only 4 days late representatives started calling my relatives. A lady named XXXX called my ex husband and said I told her to call him. I never gave permission to call my ex husband or any of my relatives especially being they have more then XXXX good contact number for me. I immediately called Exeter Financial and spoke with a supervisor who said she would look into the call. However, XXXX will not stop calling me and my relatives. The last time she called I said I do n't want anymore calls to my cell phone and XXXX Stated " the collection calls will continue ''. I want these representatives to stop calling my relatives and my cell phone over and over again. They will not work with me at all and now I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Problems caused by my funds being low

Complaint: Thank you for this opportunity. I have been banking with Wells Fargo for several years and have several accounts. The account in dispute is my business banking account. Over the course of one year I have been charged in excess of {$1700.00} in overdraft fees. It is so confusing the way the charges appear in pending status and then are re-ordered once posted. Most times, they do this by paying the highest charge first. For a couple of years my debit card would decline and not allow for over charging my account. Then suddenly, charges would drop off and/or was allowed to over charge my account. The confusion and financial hardship that I have endured has been so exhausting to no avail or cooperation from the bank other than a few reversal here and there. I have cancelled my debit card and only use atm card for my accounts. I now transfer money to an easypay debit card to use for purchases and bills. After filing a complaint with branch manager, XXXX XXXX and not hearing from her for weeks, I finally reach a business banker named XXXX who stated today they would not reverse anything for me. XXXX I do not need this in my life and would like to switch to a different bank BUT I am stuck as I have a merchant service account too and it will cost me for early termination. I appreciate your assistance and thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NH).
Issue: Fraud or scam

Complaint: an incoming call from XXXX keeps calling me ... .5 times today alone ... to tell me that I am the recipient of a {$9700.00} grant from the US Gov't. They offer XXXX options to receive the money. Transfer to your bank account, transfer to a prepaid debit, or pick up cash in person at any MoneyGram location. They were persistent that I choose XXXX, or secondly a Walmart location??? They gave me a grant confirmation # of XXXX and told me to immediately call the senior accounting manager at XXXX. They also inform you that it takes XXXX to 40 mins to complete this call and transaction to get the money " approved ''. No less than 15 times, they stated that the Gov't wants me to have this grant money and that because it Is a grant, I do not need to pay this money back ... ..I then decided this was getting too fishy and declined their offer. They have since called 3 more times ( I did not answer ) after I was adamant that they place me on a do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (I do not know) with Russell W Richardson, Attorney at Law (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: DFC contacted my former sister-in-law several times claiming to be the Attorney General attempting to reach me. They told her that I had one hour to contact them or they would issue a judgement against me. When I contacted the Texas Attorney General, they had no knowledge of such activity. I contacted the number from which the calls were originally made and reached DFC Legal Services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation