milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 about Student loan (Federal student loan servicing) with MOHELA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I may be posting this feedback in the wrong place, but I did n't know where else to go. This complaint is about MOHELA, n ot  XXXX .     A couple of years ago I reached out to Mohela for clarity on how my payments were being applied. I was confidently told the way my payments were being applied was correct and nothing else could be done. I was payi  ng ( a small amount ) over my bill and wanted the additional money applied to my principle. I was told my accrued interest had to be satisfied before I could make additional payments to the principle. Fair enough, however every month the additional money I sent was applied to future payments. The way I understood it, all of the additional money should have gone to my interest, or per my request, my principle. The whole thing was so confusing I did n't pursue it further.
Fast-forward to present, I 've apparently paid off my accrued interest and now -- because of the additional money I pay every month -- I 'm 4 months ahead on my payments. I just called to again ask that any $ over the monthly bill is applied to my principle. Mysteriously the first call was disconnected. The 2nd time I called the man tried to tell me it was ok. All the money was going to my account, it was just being applied in the future AND the principle. Fortunately I 've become a little more persistent over the years so I again explained that I did n't want the additional monthly $ applied to future payments, I want it all applied to my principle the month I send it, and I want a full bill every month, not a smaller bill every month because my overage is being applied to the future.       The man  (  XXXX  ) told  me he had to put me on hold. I was on hold for less than a minute at which point he came back and said I 'd have to send a letter  ( either   through the mail or their site ) stating that I want to " permanently remove paid ahead status ''. He told me if I did n't explicitly say " permanently '', my account would eventually default to applying the additional money to the future.     So all in all I think my issue is resolved but I 'm very frustrated that I did n't get helpful information the first time I called a few years ago. I have t o imagine I ' m literally paying for the bad/lack of 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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I accumulated {$120000.00} in loans with Navient. What I was n't told was with a prior record from 7 years ago, I would not get a job with my degrees. I have applied and continue to be turned down. I contacted Navient and told them I had no job and the only thing I got was forbearance til XXXX of 2017. I have found employment making a little over XXXX and can barely pay my bills. I obtained my XXXX XXXX and XXXX thru the University XXXX. There is no way I can make the payments Navient calculated, yet alone any payments with what I am making.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The past 6 months I have and been disputing inaccurate information on credit reports. XXXX XXXX XXXX XXXX XXXX, the original source, filed a judement to courts. They have also reported same related information to credit bureaus. XXXX XXXX XXXX XXXX XXXX are actively reporting XXXX account as XXXX seperate entities.One acct. under XXXX, and Civil Judgement as XXXX. XXXX no longer owns the account. A company called XXXX XXXX. has the acct. I filed dispute with credit bureas to remove judgement and other acct. information, based on the fact that XXXX XXXX XXXX XXXX XXXX no longer has said accts.XXXX deleted both disputed accts. Equifax removed XXXX acct. but kept judgement on report as satisfied. After several attempts, XXXX has refused to update either accts. I am still disputing inaccurate information to XXXX with no success and have recently discoverd that Equifax has put previously removed acct. back on my credit report however did leave the judgement as satisfied. Once again, I am disputing inaccurate information with that reporting agency as well. The ordeal with these credit bureaus have caused undo stress and creating unjust. Also, I would like it to be known that both accts being reported from XXXX is showing XXXX different balances as well. I would like to thank you for your time. I am attaching documents.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Central Final Control. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Central financial control in regards to this matter. The FTC also instructed me to complete a theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with BANK OF THE WEST (IA).
Issue: Account opening, closing, or management

Complaint: We closed a checking bank account with Bank of the West after explicitly asking whether bank fees would artificially keep the account open. We were assured that the monthly fee charged or any other bank fee charged would not keep the account open, only outside charges. We also received the final amount in the account at that time. Since then, we have received an account statement showing that the account was still open and the monthly bank fee had indeed been charged so the account is now in a negative balance. Exactly the very thing we were told would NOT happen when we went in to close the account by an employee working at a branch of this bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Problems when you are unable to pay

Complaint: I was going to be late on my car payments for a lease vehicle. I asked if could get a month skipped and added to the back of the ending term agreement. I was told no, and they can only change the due day out 15 days. I had the due date changed, and paid that month it was do. Unfortunately I still was out of work and could n't keep up with the payments. I asked again for possible skipping months or did I have any other options, but was told no. I was never offered any option. I was determining I could catch up with the payments but just before I got the money to catch up the leased vehicle was repossessed. I called to see if I could get the vehicle back but Honda Finance want XXXX for the full price of the vehicle not the XXXX that would have brought car current with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Reporting fraudulent information. Amount owed, date opened. Account age, collection payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2016, loan officer at Wells Fargo ( XXXX XXXX ) sent me a text message, asking me to email all of our sensitive financial information ( 2 years taxes XXXX 's, XXXX 's, 2 months bank statements, paystubs, etc. ) to his personal email address to start the application process for a refinance of our mortgage. Come to find out 6 days later that the email address he asked me to send them to was the wrong email address, meaning that a total stranger now had all of our financial information. After we received conditional approval, I paid {$800.00} for the appraisal on our home, which finally took place on XXXX/XXXX/16. On XXXX XXXX, I was sent a loan estimate to approve before closing. I noticed that there was a XXXX % penalty fee added to the loan amount because the loan rate had expired ( which had absolutely nothing to do with us ). We have responded immediately to all requests for documents, and the reason for the delays have 100 % been on the shoulders of our loan officer and Wells Fargo. We are now going on 5 months for our refinance, and we are sick of the excuses for the delay, and, obviously, I am very concerned about our sensitive financial documents being in the hands of a total stranger. I filed a formal complaint with Wells Fargo Mortgage customer service 3 weeks ago, and they will no longer return my calls. I have attached a screen shot of the text where XXXX XXXX sent me the incorrect email address, then sent another text 6 days later apologizing, and sending me his correct email address. By this time, the damage was already done.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with XXXX XXXX. At the end of XX/XX/2017 XXXX changed their contract with their billing/credit accounts. They changed to XXXX XXXX. 

Comenity sent me a notice of the change and a copy of their new contract. I had questions about the contract, but I decided to contact them after I received my next statement from them. I did not receive a statement and they contacted me about being late on my payment. 

After a short conversation, the XXXX representative made it clear they were not going to charge me a late fee or notify the credit bureaus, and that this had happened to many other accounts and was standard with such a transition. I was appreciative, and we got the statement problem corrected. Also, I scheduled a payment to XXXX for {$410.00}. The next day I scheduled another payment for {$130.00} because this was the remaining balance and I wanted the account paid in full. 

About two weeks ago I received several emails from my credit monitoring service 's. I took a look at my credit and noticed there was a late notice on my credit report from XXXX XXXX. 

I called XXXX XXXX and spoke with a service representative. They placed me on brief hold and I was transferred to a manager. There was a language barrier, however, she was extremely nice and said as a one-time courtesy she would have that late payment removed. I was very pleased this was as easy as it was. 

The next day, I received several more notices via email that I had received more late notices on my credit report. I just assumed it was the same notice. Later in the day I did check my credit report and there were two more late payment notices from XXXX XXXX, for a total of three notices. 

I immediately called the same people at XXXX XXXX and she said she followed guidance on removing the late payment and did not know why this happened. I made an effort to explain it did not work and now it seems worse. The manager explained that I would need to use the letter XXXX XXXX was going to send me to dispute the late notices through the credit bureaus. This seemed to be more confusing, but I don't think the Bank representative knew what to do at this point. 

So, I have enclosed the bank statements that reflect my payments and the letter from XXXX XXXX. I am in the process of trying to purchase a home in Florida and my bank requires that I have NO delinquencies for past 12 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, So in regards to complaint number # XXXX and # XXXX we still have n't heard form our relationship manage XXXX XXXX from Ocwen Mortgage Co. and still have n't resolved the issue that THEY, OCWEN XXXX up our escrow in XXXX of 2015 by not including the hazard insurance. I have received this letter pertaining to the agreements for our HAMP program and loan modification denial by the so called " investor '' whom which either Ocwen or the " investor ' is constantly sending us paperwork stating or loan is overdue and will proceed to foreclose. Also constant inspector fees of people driving past our home, why do we yet again have to pay for that? We are making our payments and including the late fees but yet still receiving threatening letters regarding losing our home? {$1500.00} is too much to be paying for their mistake!! When is someone going to take action for Ocwen constantly trying to push people out of there homes? The one who did the escrow analysis last year should pay for the mistake, not us the homeowners. There was a difference in taxes from XXXX, only {$65.00}??? Also the hazard from last year to this is XXXX {$1000.00} this year {$700.00} a difference of {$380.00}, so why are we short all the time, {$2800.00} to be exact, every year plus with their outstanding cushion amount, which where does that cushion actually go?? Ocwen over estimates causing homeowners to struggle and lose their homes. Fix your mistake!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Medical debt) with Everest Receivable Services Inc. (UT).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a call today ( Monday XXXX XXXX at XXXX AM MST ) from XXXX Receivable Services from a Utah telephone number. The company is based in New York! ( deceptive ). When I called back, I asked the representative multiple times the reason for the call, but he wanted me to verify my personal information first. I assumed this call was from a debt collector, but he DID NOT disclose this information at all. Even after I asked if that was the case! He terminated the call when I refused to verify the last four digits of my social security number. 

I called back and spoke to a supervisor, who also refused to disclose " This communication is from a debt collector, and all information will be used for that purpose. '' She went back/forth with me trying to get me to verify my identification BEFORE she would tell me this call was from a debt collector. Eventually, in order to figure what was really going on, I did verify my identity and was given the above quoted statement. 

I find this EXTREMELY deceptive, and misleading. Although there was no profane language used, the woman was unprofessional and clearly did not understand the gravity of the situation. 

Perhaps I misunderstand the FDCPA, but I was under the impression ANYONE calling you with the intent to collect a debt must disclose this information immediately. 

I would like to have XXXX XXXX XXXX investigated for likely abuse and violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have Power of Attorney for owner of the property in XXXX XXXX, FL. As the XXXX representing the owner, I listed his property on XXXX in XX/XX/XXXX. Since that time I have tried to negotiate with Green Tree the payoff amount, at XXXX by phone and later by fax beginning XXXX XXXX. They promised to review the amount and respond to me within XXXX business days. I did not receive any reply. I continued to phone, fax, and mail them without any response. I received a XXXX letter XX/XX/XXXX and a XXXX letter XXXX XXXX again saying the same thing : " We are going to response .... '' The main thing about that is I have a buyer ready to close this purchase on XXXX XXXX. It is not right that the owner suffered these additional expenses due to Green Tree delays in response to my faxes, letters, and phone calls. My client is XXXX and XXXX. My client does n't have any condition to defend himself.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I deposited {$7000.00} into my checking account. Wells Fargo took {$4000.00} for a delinquent student loan. I called and spoke to XXXX XXXX, supervisor, who stated that this is a " different kind of fraud '' and we would not have the money redeposited. We would not have the money re-deposited, we would have to wait for 5 days to determine if its " fraud '' and we would not receive a new account number since this was money was taken through Wells Fargo. We made bill pay and are now left with a large amount of overdraft fees. Wells Fargo Education had signed off this loan on my credit report after making 5 years of payments without a change in the overall amount owed. They made payments so high I could not pay them. And now they stole {$4000.00} from my account without filing a claim through the legal system. No notification by mail or email was ever received.

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 06/25/2017 about Money transfer, virtual currency, or money service (Refund anticipation check) with Money Management International, Inc. (VA).
Issue: Fraud or scam

Complaint: I successfully submitted a complaint to cfpb on  XXXX   XXXX ,  2017 . The cfpb portal created gravely misleading reference number 2017- XXXX  by program error.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TransUnion continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The XXXX XXXX company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.

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 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I changed electricity providers, I notified XXXX XXXX and they charged me for the same time period I paid XXXX. I sent my bill from XXXX to them and they turned it over to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Did not receive any information from one mortgage company ( XXXX XXXX ) that they were being bought out by another mortgage company ( RoundPoint ). Not only have I been dealing with inept personnel from XXXX XXXX XXXX XXXX, but the issue is now haunting me once again with this new Mortgage Co. ( RoundPoint ). With every piece of evidence I have in making a payment by check, to include the image of the front of the check, the back of the check, and the " stamp code '' of the check that I received by bank, the issue is still going on. It 's been a year where I had to battle back and forth with XXXX about how I have all the proof needed for a payment I made that they had lost, and will not own up to their mistake. After countless phone calls, aggravation, and XXXX I had to live through ( and clearly just found out I still am ), I thought this issue was finally fixed. Not only was the issue NOT corrected, but now RoundPoint is starting this nightmare all over again. To add, XXXX XXXX dropped my credit score on 3 different occasions and I had to fight, endlessly, for months to make them put my credit score back to where it rightfully belongs because they could not fix a problem all while I had supported every piece of evidence any would need to realize I was not at fault for a payment they lost in their " processing center. '' To include emails, names, check numbers and amounts with dates, images of the checks and stamp-code for the check. I 'm a veteran XXXX, a XXXX XXXX XXXX, and now that it is XXXX XXXX, 2016 I will, yet again, be contacting the new mortgage lender ( RoundPoint ) to start from square one about an issue that should never had existed in the first place AND to fight to keep my credit at XXXX where it rightfully belongs. This is a major issue that needs resolved!

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 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was given two days to leave an apartment complex only owing a couple hundreds dollars and now it is listed on my credit file for $ XXXX. This is crazy, I requested the apartment complex give me a break down and nothing ever was received. I was more than willing to pay what I owed which was a couple hundred dollars. Please help

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