milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I enrolled at the University XXXX XXXX and was told XXXX credit hour classes would cost {$700.00} and that I would have good career prospects in XXXX XXXX at the end. As I got further in my degree, the price per class went up to {$1500.00}. I was too far in to transfer schools as I would have had to repeat several classes. I ended up graduating but unable to find a job in my field. I repeated my whole degree in the same field at a difference school ( XXXX of XXXX ) and then was able to find a job with that degree.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: More than ice I 've consolidated wit h Navient and s et up a payment plan with autodraftst from my bank. It 's never the price they say it would be and I felt with it but the worst part is every time I set it up they cancel it, stop autodrafting and call me back to make new plans. Sometimes as early as a month later. I 'm tired of dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ON XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for a loan modification. I am currently paying 6.5 % on a loan. The method to apply requires that you go on line and submit various appears. When I submitted them I had apparently not provided or incorrectly submitted some forms. There is no way to know this other than to check again online.No emails or phone calls from them.I have called the person who is supposed to be my " specialist but never actually spoke to him. He is very hard to understand. I get different people who give me different reasons why this has taken more than 4 weeks despite the site saying 7 days. I am about to be late with my monthly payment. The person I spoke to today said it was given to the underwriters on XXXX XXXX th and it could take up to 30 days. The person before said that it was out of their hands since the application has to go through my home state and they are waiting for the return from New Mexico. It seems to me that the longer they put off their decision the less it costs them. If they reduced my interest rate from 6.5 % to say 3 % ; by me continuing to pay the higher rate. according to the last person I spoke to, It so happens that the date I become late with my payment is the same date that the underwriters are supposed to " decide ''.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with FIRST CALIFORNIA MORTGAGE CO., INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I feel that I was a victim of discrimination. Around XXXX/XXXX/2014, I purchased a house and was financed by First California Mortgage Company ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Nevada XXXX ). My loan number is # XXXX. First reason why I feel I was discriminated, I feel because we are XXXX, First California Mortgage Company allowed its brokers to charge us higher fees for mortgage loans. Second reason is that I had clearly stated I was giving 15 % of down payment to avoid paying a PMI ( Private Mortgage Insurance ) when I signed the closing documents, they had put 10 % down payment. I called to tell I wanted to give 15 % down and I was convinced by the broker to leave it at 10 % telling me that my PMI would only be {$49.00} a month. I would like to ask if can start an investigation to see if other XXXX or XXXX customers were discriminated by First California Mortgage Company? This company should have recorded conversation when I called the agent to argue the amount of Down Payment. I think First California Mortgage Company only wanted to charge me the PMI of {$49.00} each month reason why they claimed they made the mistake of going with 10 % down and convinced me to leave it like that. I am sure there is more victims like me.

Company response to consumer: Closed
Consumer complaint received 07/14/2017 about Debt collection (Auto debt) with URS Holding, LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: have told them that I will pay once I receive the money from the buyer to settle this debt

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer available to transfer credits or finish course

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 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I paid debt with Midland credit company in 2013 in the amount of XXXX for a unpaid bill XXXX. Midland Credit will not reach out to XXXX to let them know the debt has been paid. XXXX still have me owing a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I tried about 5 years ago to get a modification on my mortgage through a company called XXXX and it turned out to be a major scam. They charged me almost {$4000.00} and disappeared. Well XXXX lawyers later and approx. {$20000.00} later the bank Wells Fargo is still denying me a modification and has broken all laws pertaining to the modification. The last lawyer I had XXXX XXXX charged me {$3000.00} to try to get the mod and he said he believed he could get it and he could n't and now he wants to charge me {$1300.00} a month to file the lawsuit with no guarantees at the end. He is also charging me just to talk on the phone. I need direction and an attorney that can work with me to sue Wells Fargo and try to save my home. 

I would like the mortgage and escrow to be lowered to an affordable amount and the interest and lawyer fees to be reimbursed since the only thing that was done was paperwork. I am tired of being ripped off by attorneys who charge too much money to get no results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through century link I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to century link and was told to check my credit for other items. After viewing my credit in credit karma i have over XXXX credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XXXX XXXX at XXXX at the box and ship located in XXXX XXXX Kansas XXXX At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX and XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the XXXX bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.

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 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: An account that was deleted off my transunion and XXXX credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. Transunion has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). XXXX has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.

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 01/19/2018 about Debt collection (Medical debt) with Receivables Management Partners, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received repeated calls after I have already stated I will take care of it. I have gotten calls sometimes more than 3 times in the same day. Atleast three to four times a week. I have asked not to call me, and also not to call so early. I have blocked the numbers they are calling on and somehow they just keep calling on other numbers so I will answer.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Payday loan, title loan, or personal loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: Received a title loan form XXXX, in meantime my car was totaled. XXXX was informed and repossessed the car. Was sold at auction, and status or amount still owed has never been tallied or given to myself after several requests. nor can i get accurate info when calling

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it. 
XXXX I sent dispute on XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and {$520.00} XXXX XXXX XXXX Trans Union I sent dispute on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXX XXXX XXXX I sent dispute on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX on XXXX XXXX,2017 he did n't find the account numbers listed no reslove

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 11-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: my mortgage went into mediation ( foeclosure ) through the court and was deemed to give a loan modification. The bank, Ditech, still has not given me one. It was due XXXX XXXX. that was pushed to XXXX XXXX, and here is, XXXX XXXX, still no loan modification. Ditech still blows up my phone, but what, wont contact my lawyer? I do n't respond to these phone calls. Ditech also tried bypassing my lawyer by sending me a false loan modification without my lawyer viewing it first. Plus back escrow $ $ are still incorrect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Credit card) with Affiliated Acceptance Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) continued to automatically bill our XXXX XXXX XXXX XXXX card ending in XXXX, even though we had cancelled our contract. When the attempts to fraudulently debit funds were denied by our credit card, the charges went to collections ( Affiliated Acceptance Corporation, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: All of my payments have been on time since having a mortgage with Carrington ( mortgagee ). However, when I was contacted by Carrington to refinance afterwards my payments went from {$1500.00} to {$1400.00} starting in XXXX 2016. So for XXXX I continued to make my payment of {$1400.00} but on the payment website the amount due was showing {$1500.00} so I immediately contacted the agents of CMS which were my primary contacts throughout financing. I was told by the agents that there must be a mistake and they would investigate and to continue to make the {$1400.00} refinanced payment while they research the issue. 
When I tried to make the XXXX payment I was told by another agent that my XXXX payment was not made. I told that agent that I did make the {$1400.00} payment. The agent said that the amount was not applied as paid because it was not in full ( {$1500.00} ). I explained that I had refinanced and my primary contacts were looking into this matter to make the amount due corrections. The agent continued to research and said that more than likely my escrow had increased and I should go ahead and pay the {$1500.00} amount for XXXX and the additional {$96.00} for XXXX while this is being researched. So I paid those amounts in hopes of getting this issue corrected soon. 
After receiving derogatory credit reporting from Carrington for not paying the full {$1500.00} amount in XXXX without explanation of why it was increased I finally received a letter on XXXX/XXXX/2016 explaining hat happened. 
My property taxes had increased for XXXX thus increasing my escrow and monthly payment amount but I was not notified by Carrington nor the City of XXXX. 
After explaining this situation to Carrington, they are refusing to correct the missed payment reporting to the credit bureaus. 
To add further insult. I have documentation from the refinance closing that I was entitled to a closing refund that CMS has refused to pay me

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Payday loan, title loan, or personal loan (Title loan) with U.S. BANCORP (CA).
Issue: Can't contact lender or servicer

Complaint: Applied for Home Equity Loan  XXXX / XXXX /17.No amount was requested. Believed amount of approved HELOC would be defined by lending agent, U.S. Bank. At the time of the loan application, I was aware of approximately {$50000.00} equity in my property, a condominium and I disclosed this information to the manager   XXXX   XXXX  ,  XXXX . who initiated the loan process and communicated with me until all documents needed for the loan assessment were submitted. Upon initial conversation with the Branch Mgr., he indicated the preliminary data indicated I should qualify for a {$72000.00} loan but I was NOT informed that this was the amount he was requesting in loan application.
On  XXXX / XXXX /17 I was informed by email and letter that the loan was denied due to " value or type of collateral not sufficient '' AND " insufficient amount of equity based upon the loan to value percentage ''. Per denial letter instructions I request further explanation from the Branch at (   XXXX   )  XXXX , receiving no additional information.  XXXX / XXXX /17 I requested Branch Mgr. to follow up with Corporate Office with no further clarification.
Question : How can loan be denied for LTV when no amount was requested by the applicant? If lender does not approve HELOC 's for condominiums, this information is needed as a consumer so I can understand my future lending options.

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 02-03-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: In XXXX XXXX we contacted Wells Fargo to refinance our mortgage to a lower interest rate. 
On XXXX/XXXX/XXXX I notified our loan agent, XXXX XXXX of our XXXX/XXXX/XXXX " signing '' appointment with XXXX XXXX at XXXX and told XXXX that the papers indicated that {$970.00} was going to XXXX. I asked how to fix this as we have XXXX and the annual premium had been paid out of the original mortgage escrow account on XXXX/XXXX/XXXX. 
Neither XXXX nor XXXX showed for the signing appointment. Immediately after we signed the documents, I again contacted XXXX to tell him the error had not been corrected and ask again what we need to do to fix it. He referred me back to the title company and they referred me back to Wells Fargo. 
Wells Fargo has been putting us off over and over again ( almost 5 months now ) and still will not provide us a " closing disclosure '' that reflects the correct distribution of the {$140000.00} that we now owe them. 
XXXX XXXX has not returned any of my calls or responded to any of my email inquiries since XXXX/XXXX/XXXX when he forwarded a response from the title company with a new " final statement '' document ( which indicates the total loan amount as {$140000.00} ). That document also states " This document is not intended to replace the " closing disclosure form. '' On XXXX/XXXX/XXXX we received an amended " closing disclosure form '' from Wells Fargo which is still wrong and still indicates {$970.00} to XXXX! Since XXXX/XXXX/XXXX we have been trying to get the corrected document from XXXX XXXX at Wells Fargo Customer Care and Recovery. The last contact with XXXX was by telephone on XXXX/XXXX/XXXX indicating she still had no answer for me and had no idea when she would. 
We just want to know where that {$140000.00} really went. And it is tax time and we need to give the right information to our tax preparer. The longer this goes on the less we trust any documents we get from Wells Fargo. 
There are many more issues on this document - not just the {$970.00} homeowners insurance to XXXX which is the most glaring error. 
Can you help us to get a corrected " closing disclosure form '' from Wells Fargo that indicates where this money really went?

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 02/21/2018 about Debt collection (I do not know) with First National Collection Bureau, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They were harassment to call me many time. then I called them and who are you? they said XXXX XXXX XXXX for you. make me confuse happen. what I make payment to who or owe to who?? They wouldn't tell me nothing. I feel so funny think They are scam. 
so I would stop to call them. and They harassment call me many time make me tired and complaint. But I have a very good my credit and no problem. 
I give you it phone number : XXXX for XXXX My phone number : XXXX and my name is XXXX XXXX

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 Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a bill from XXXX XXXX XXXX company XXXX 2015, XXXX months after I terminated service in XXXX 2015. I wrote back multiple requests asking for a detailed summary of charges since at the time of termination I was told by the rep, I was owed a credit since I was billed a month in advance per their billing cycle. Surprised when I received a bill but no explanation of charges. Mailed multiple requests asking a detailed summary of charges. Never received anything. Next thing I know, I receive a letter from a collections agency on behalf of XXXX XXXX. I called them finally to try to get to the bottom of the situation. Was told they received my requests for a detailed summary of charges and had mailed one out but I never received it. I then asked what the charges were for and the collection agency said for close out fees. Please note I was not on any type of contract with XXXX XXXX but on a month to month basis. I also informed the rep over the 5 years I was a XXXX XXXX customer, I never was notified of any close out fees on a month to month service basis. The rep then put me on hold and transferred me to a manager. The manager was rude, cut me off multiple times and said they will be reporting me to the credit bureau. How is this fair and is this not against the law? A consumer is asked to pay a debt blindly with no explanation of charges whatsoever, no response to multiple requests of a summary of charges and then told the fees are for close out service fees that I was never made aware of? Is this illegal? How is a consumer to protect themselves and their credit against companies like this? What can be done here to protect me, the consumer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief