milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I had received a notice from the mortgage company stating that our escrow account is short. Which surprised me because I had contributed extra money towards the escrow account to compensate for the shortage. On XXXX XXXX, 2015 I had called the mortgage company asking for a review of the escrow account. I was told that the extra monies were placed in the wrong account and would be fixed and I would be receiving an escrow analysis in the mail in 7 business days. As of today, I never received an analysis or an explanation to where the money had gone. I had also sent a letter regarding this with my XXXX mortgage payment, still with out any reply. I do n't feel that they should n't be allowed to play with my money without a clue to where they put it. I feel this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am already being garnished in my wages at 15 %. I am repeatedly hounded by phone to make rehabilitation, which I have agreed to twice. Both times, they say they ca n't collect from my bank even though the funds were available in my account. This collection agency is consistently harassing me, although I 'm already being garnished. I have tried repeatedly to follow their measures, to make rehabilitation. On  XXXX / XXXX /2017, I agreed to make payments for loan rehabilitation in the amount of {$38.00} each month, drafted from my bank account. One payment was drafted and then never again. I called to ask why and when the payment would occur, and the collection agency was elusive and belligerent. This has happened twice. I have signed up for rehabilitation and they draft my payment for the first month, but then never again, blame it on me. and keep collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Credit decision / Underwriting

Complaint: We had a shortsale, but Bank of America has it posted as a foreclosure on our credit record. We 've requested multiple times to have it fixed and they are not responding.

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 11/16/2015 about Debt collection (Credit card) with High Point Asset Inc (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I missed a call from the debt collector and I returned the call and stated Im returning the call. The collector stated they were looking for me, and I never verified I was the person whose name he stated I asked what the call was regarding and he responded its regarding a debt and I asked if he was familiar with the laws he told me yes and he can disclose that its regarding a debt

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Every transaction i make gets detucted right away but it would still show pending for a couple of days and sometimes i would need it to finish to process some other stuff, and the over draft fees gets charged a day after the over draft happens, and most of the time I do n't see that my account has an over draft and would see it after the over drafting happens

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The interest rates on my fixed loans increased from 8 % to 10 % after Navient improperly handled my loans and refused to fix the issue and credit the difference to my account. I also on XX/XX/XXXX requested my XX/XX/XXXX Tax Forms to where they sent XX/XX/XXXX and are still looking for XX/XX/XXXX. Their VP XXXX XXXX is in favor of predatory lending and mentioned to me personally that I should refinance through their new subsidiary XXXX. It is a monopoly on student loans with unlawful dealings and horrible customer service who 's managers have no idea who they report to are.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Defective Goods were returned to XXXX Apparel, I have submitted documentation to XXXX XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX proving that XXXX received and signed for the returned defective merchandiseXXXX XXXX continues to contact me regarding debt that I do not owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 06-02-2015 about Payday loan () with MNE Services, Inc (NJ).
Issue: Payment to acct not credited

Complaint: A outside collection agency told me to make a payment arrangement in order to not be served at my job. The name of the collection agency was XXXX XXXX. Come to find out the payments that I sent were never credited to my payday loan. When I called the company they stopped answering.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The credit bureau provided my credit report and all my information to XXXX XXXX XXXX XXXX XXXX. I have never given permission or authorization for my information to be provided to this company that I have no relationship with. This company used deceptive practices with my husband who attended XXXX XXXX XXXX and that is how I am aware of them. They had no right to look at my personal information and cause damage to my credit because of too many inquiries that did not result in a credit offer. I NEVER REQUESTED A STUDENT LOAN FROM THIS COMPANY AND THEY HAD NO RIGHT TO INQUIRE INTO MY PRIVATE CREDIT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT REPORTS AND I HAVE LOTS OF MISSPELLED NAMES AND ADDRESSES SHOWING. I HAVE ATTACHED MY DRIVER LICENSE FOR PROOF OF THE SPELLING OF MY NAME AND ALSO A COPY OF MY REPORT SHOWING THE WRONG NAME SPELLING ALSO MY ADDRESS IS ON MY LICENSE THIS IS THE ONLY ADDRESS I HAVE LIVED.

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 04/21/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is Passed the statue of limitations. However, They have continued to report is as " closed derogatory ''. This should be off of my credit report since its over 7 years old.

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 03/23/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I noticed my XXXX score had dropped from XXXX to XXXX. I was able to get a credit report and noticed that a debt ( {$390.00} ) was presented to the credit bureau. I did some research and found out that a collections agency called XXXX XXXX presented the debt.. The case was open in XX/XX/XXXX. I have never received an email, mail through the USPS or a phone call. However, I'm receiving continuous off the wall phone messages from people offering a pre-approved {$250000.00} dollar loan as well as individuals seeking out a " wall cover person '' The numbers are not local, so I ignore the calls. If XXXX XXXX is using an alias to contact me I don't know. I have never heard of Convergent Outsourcing and have never been contacted personally. I have contacted them ( XX/XX/XXXX ) and explained, as I'm doing now, and have not heard back from them ( XX/XX/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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on Experian and XXXX for unauthorized inquiries on my Credit Reports. Today which is XX-XX-17 I called Experian and XXXX only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my XXXX Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called Experian and the rep was so rude she would n't even let me get a word in. She then tells me that Experian is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from Experian and XXXX that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries removed.

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 02-10-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost XXXX of my jobs and having a hard time making ends meet so I applied to OCWEN for a modification in XXXX 2015 complete package sent in. Since submitting the paperwork OCWEN has requested several documents and I 've sent them within days back to them. I 've submitted the same documents over and over again. Finally on XXXX XXXX my representative called and operator ID # XXXX told us that I needed to re-submit because my RMA application had expired and that we were supposed to get an answer within 90 days of submitting the original paperwork that she did n't know why we were at this date with NO end in sight. We asked the representative to point to us the expiration date on the RMA but she could n't since she could n't do that we asked her to transfer us to a supervisor and she refused stating that she would have to look for one and she did n't have time. I am begging for help since I do n't want to loose my house, I 'm a single man BUT I do take care of my XXXX elderly parents, I have been looking for a second job but I 've had no luck because I had my identity stolen several years back and my background checks are not good. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Aldous associates sent me an Email legal notice with out my consent to received Email from them, I did never share my e-mail with this agency, they also reporting negative account in my credit report with out verifying the debt and with out sending me any letter via USPS stating I have the right to dispute, this actions are deceptive practice

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Beginning when I was an XXXX-year-old university student, I took out XXXX XXXX, now known as Navient subsidized and unsubsidized student loans and later a " XXXX '' loan worth over XXXX between XXXX and XXXX - which was more than twice as much as I earned working my way through college - so that I could attend the University XXXX. It 's a relatively affordable school, but due to the fact that I was raised by a struggling single mother and my job at a XXXX paid only {$XXXX} per hour, I still needed money to make ends meet. I had no idea that, without a cosigner, I 'd end up with credit card-like interest rates, amongst a multitude of other problems. After taking time off from school to work and save money, I earned my XXXX XXXX in XXXX. After graduation I accepted a job working for a XXXX. Eleven short months later I lost my job when the XXXX. Entry-level jobs had dried up and I could n't even get a job at a local retail store. I was on unemployment making {$XXXX} a week for four months. So, with limited ( after rent, utilities, car payment and groceries it was really no income left over ) income and my private student loan payments, interest and fees, I was headed for default. 
Navient 's collectors called me up to 10 times per day, even on weekends and holidays. I spoke to one representative asking them about my options and the only option Navient offered me to avoid default and subsequent financial ruin was to pay a {$150.00} fee every three months to put my loans in " forbearance ''. But interest would still have continued to accrue. I filled out the paperwork and sent in my first {$50.00} check because at XXXX a week that was even a stretch. I have the carbon copy of that check but it was never cashed on their side and still says pending through my bank. My forbearance paperwork was never processed. I 've asked them to open my case and they deny any wrongdoing. Since this time, I 've been back to work for nearly a year and making all payments on time but those XXXX " missed '' payments, because they did n't process my request, have wrecked my credit and have the potential to haunt me for the next seven years, preventing me from buying a new home, leasing a car or getting a job - at least, with one of the 60 % of employers who check your credit before they hire you. I will continue to make my monthly payments to them but I want those XXXX missed payments removed from my credit so I can have a financial future again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage LLC ( XXXX XXXX ) has ignored our requests to correct a problem created back on XXXX 2015 when the monthly auto-payment for XXXX mortgage loans was suspended without notice. 
Since then, Nationstar Mortgage LLC stopped/started partially posting our on-time monthly payments to the accounts in violation of loan servicing and breach of contract laws. Instead each month after XXXX XXXX, the company began to add late fees, property inspection fees, and derogatory reports to our credit history. As of today, the problem is still present. We have received foreclosure notices, phone calls from the costumer 's service staff threatening us with a number a nasty, unfriendly and scary tactics demanding payment even-though the monthly payments to these account are send in before due dates. We are looking for your assistance in getting this problem resolved since the company has ignored all our pleas for a rapid solution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (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: Ocwen Loan Servicing, LLC is misreporting information on my credit reports. In my first complaint, they claimed that they verified only one mortgage account was reporting to the credit bureaus. However, I have copies of my credit report that substantiates they are, in fact, reporting two different accounts with two different open dates, and two different pay status '. Both accounts are reporting under " Negative Information '' and have severely and negatively impacted my credit reports. 

In addition, according to the XXXX XXXX Reporting Guidelines, Mortgage Status Codes should be reported as Code 94 not Codes 71, 78, 80, 82, 83 or 84. 

Ocwen 's ongoing misreporting is a violation of the FCRA guidelines.

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 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Called TransUnion at XXXX and spoke with the first Rep XXXX, which she was very rude to me and then I asked to be transferred to special Handling and to see if they can help me she told me that she could n't do that and transferred to someone else and her name was XXXX XXXX and she also was rude to me. I was notified the inquiries were placed back on my credit report and wanted Transunion to remove them due to not being notified. according to the FCBA that is against the law. I attached parts of my credit report for your review.

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 11/27/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: i got few hard inquiries that i never requested from this bank tried to contact them over the phone and they said they gon na get it removed after 4 months i still see all of them 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 03-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Overlimit fee

Complaint: I have had many credit cards and I have never experienced this. Capitol One has been charging me an " over the limit fee '' every month, despite the fact that I pay at least the minimum payment ( {$75.00} ) and do n't use the card! They have designed their system so my account will never be paid. Every time I tell them it is illegal, they reverse the charge, but then they turn around and do it again! 

It is essentially a pay day loan pretending to be a credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We are in CH XXXX Bankruptcy. We are making our monthly payments on an interest only loan of {$3600.00}. When the bank applies the payment it only applies, {$2600.00} in interest and {$530.00} in escrow. Where is the balance of {$450.00} going? It does not show on the activity since your last statement. It is not going towards Principal. But when I look at the Payment Summary it has Interest, {$3100.00} and Escrow, {$560.00} which equals my payment. Also the Trustee is making payments. These are showing as debits on our account, not credits. Where are these payments being applied. Also where is my interest payment from my Escrow Account from 2016? We also overpaid our property taxes and this also showed up as debits on our account. An incorrect Escrow Analysis was done an a distribution of over $ 6K was made to the trustee. Now after I requested an Escrow Re-Analysis our Escrow Account is now short, and now our house payment has risen to {$3700.00}. I placed a call to the bank and was told that a court order was issued for the $ 6K from the Trustee found out that was a lie. I called the bank several times they kept telling me I could not talk to them because I 'm in Bankruptcy. I have sent the bank two letters requesting an accounting of my account. I can not even get an accurate XXXX for my 2016 taxes.

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The credit reporting agency, has reported information without verifying my signature with a original copy, I have filed a 609 with Equifax, and they are in disregards of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 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: Their investigation did not fix an error on your report

Complaint: Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report.
My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.

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