milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received my XXXX XX/XX/XXXX, in which I began paying the following year through XXXX XXXX. While trying to find a steady job, XXXX XXXX made me go on forbearance of my student loan, because I could not afford to pay. It only accumulated more interested and added to my loan principle. It then transitioned to Navient and my payments went into the {$300.00}. Again I could not afford that, so I called to seek options. They put me in what they led me to believe was a income based payment, to find out it was a interest only payment. I started graduate school XX/XX/XXXX, in which my student loans went on school deferment. Today I called to get information on my next due payment, to find out that my loan principles are higher than what I ever took out. One of my loans beginning principle XX/XX/XXXX was {$9700.00} and now the unpaid principle is {$10000.00}. The other began at {$8000.00} XX/XX/XXXX and is now at {$8700.00}. I 'm in the XXXX field and have been looking at loan forgiveness, having been paying over 10 years. Today I feel I will NEVER reach financial freedom with my XXXX loans that I did n't make a dent, but now also show a higher principle ( which makes no sense ). In addition, I now owe {$18000.00} to the State of Texas for my XXXX degree. It almost feels like the more you accomplish, the further away you get from financial freedom. Navient deceived me and can not answer to my payment history with XXXX XXXX. Being in a helping profession that is underpaid, payment forgiveness and/or assistance should not be that difficult. Especially when your service is going back to serving the vulnerable populations of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On   XXXX   XXXX  ,2017 I received a letter from US Bank regarding my {$300.00} secured pre paid credit card ending in #   XXXX   that was a requested to be closed down several months prior both verbally and in writing before the balance that the credit card had in secured funds had reached its limit. US Bank is reporting a balance owed of {$160.00} that is over the {$300.00} secured credit card limit and US Bank continues to accrue interest on an account that closure was requested and now derogatory credit is being reported

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 03-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: I signed an agreement with XXXX XXXX to buy the property XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The closing date is XXXX/XXXX/2015. As a condition of the sale, XXXX XXXX insisted on using its own form, instead of XXXX, to make PSA, required me to purchase title insurance from XXXX XXXX XXXX XXXX, and force me to use XXXX XXXX as the closing agentXXXX XXXX Sales Team had reiterated that XXXX XXXX XXXX corporate policy dictates that we [ Builder ] do not make any changes to the contract nor use any XXXX forms ''. 
In XXXX 2015, the closing agent forged the closing documents, decided that the closing date would be XXXX/XXXX/2015, and team of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Wells Fargo used the Closing Agent to attempt to arm-strong me into taking financial obligation and risking down payment of XXXX cash prior to closing, and receiving nothing after closing. Their sole purpose is to gain money by deceiving me into thinking something which the fraud perpetrator knows to be false, robbing me with forged documents, instead of a XXXX, in the mask of complying with contract. 

Wells Fargo failed to deliver the appropriate loan documents required for the closing, never issued a written loan approval. However, Wells Fargo registered a forged final inspection approval. 

On XXXX, there was no valid Purchase & Sale Agreement, no Loan Commitment Letter from Wells Fargo, which on XXXX confirmed that they had never issued loan approval, nonetheless, the closing agent performed a fake closing. On XXXX, Wells Fargo wired the undocumented loan proceeds of {$490000.00} - which is {$7000.00} less than the expected loan amount - into the escrow account. 

By law, XXXX XXXX shall survive the closing date. However, soon after the designed fake closing, XXXX XXXX released my funds to XXXX XXXX without my knowledge, robbing me with the help from Wells Fargo. XXXX XXXX immediately put the property back to the market. 

Below is the contact information of Wells Fargo Home Mortgage representative : XXXX XXXX XXXX Wells Fargo Home Mortgage XXXX XXXX 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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX and XX/XX/2017 I pulled a copy of my credit report from Experian and XXXX   and immediately noticed 24 inquiries on my credit report. I have sent dispute letters and have called multiple times only to be told they were accurate with no proof as requested. I have not applied for any credit because I know my credit score is not feasible to many companies. There are several done from XX/XX/2017- XX/XX/2017 for an auto loan. The ONLY auto loan I have is from XXXX which I have always purchased through XXXX. I have tried reaching out to each of the creditors and have gotten nowhere. My rights as a consumer under the Fair Credit Reporting Act has been violated.

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 11-10-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: I am having difficulty resolving an issue listed on my credit report with SANTANDER CONSUMER USA, a creditor. I have attached a copy of the account for your review. Here is an explanation of my account : " I fell behind ( twice ) on my car loan and it was repossessed in XXXX, XXXX and XXXX, XXXX. A fee of {$370.00} was added to the account for both occurrences. I paid my car off, of the principal balance in XXXX, XXXX. In XXXX, XXXX, the car loan continued to be extended ( for fees incurred by the creditor ), even though my principal balance was paid in XXXX, XXXX. The payment changed from {$240.00} to {$200.00} a month, during this process. In XXXX, XXXX, {$7.00} showed as the remaining principal balance. XXXX, XXXX, the same amount showed as a principal balance of {$7.00}. It continued and in XXXX, XXXX, the balance was still {$7.00}, even though I paid the principal off in XXXX, XXXX. I paid the {$7.00} on XXXX XXXX, XXXX. The balance as of XXXX XXXX, XXXX, now shows {$0.00} cents. When my counselor and I called SANTANDER CONSUMER USA, they said they are keeping the account opened with a {$0.00} cent balance so they can collect over {$1000.00} in fees. I believe this is not only unfair, but negligent on the creditor 's side. I have already paid the balance in full and the creditor continues to charge me fees. I am seeking to resolve this matter, with your help and request the fees to be removed entirely and make the balance on my account reflect zero on the credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have reached out for help with American Education Services for 3 years now and they still refuse to help me. I have XXXX private loans and a federal loan I 've been trying to get help with, I have constantly told them my income depleted because of my daughters XXXX situation, I have submitted paperwork and have spoke to numerous supervisors and took a quiz and informed them I have no income and the continue to tell me I do not qualify for additional help. This company along with XXXX refuse to re-evaluate my income stays to give me help. Can you please help me to understand why I can not get help from them. Thank You in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent a letter to Equifax on XX/XX/2017 disputing negative items reporting against my credit profile and Equifax has failed to respond to my dispute letter. I received responses from both XXXX and XXXX  but Equifax did n't reply within 30 days or even reply at all and nothing has been removed as a result of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Medical) with United Collection Service, Inc (FL) (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I receive a letter ( attached ) from this collection agency.I called them on Friday XXXX XXXX at XXXX and spoke to " XXXX '', verbally agreed to pay {$50.00} every XXXX of the month starting on XX/XX/XXXX.which I did ( Money orders attached ) but they did not care and sent it to the Credit Bureau contrary to what we agreed verbally.this upset me and did not pay XX/XX/XXXX, so I am looking for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have a payment scheduled for the XXXX of each month with a ACH on file, i called the representative XXXX XXXX yesterday ( XXXX/XXXX/15 ) and asked her why has n't the payment came out of my checking account yet. She states that it may take a few days after the due date to come out, she asked if it does n't come out by Friday XXXX then give us a call back. The representative XXXX XXXX calls me today saying that the payment came back NSF, i asked and asked me if i SPENT THE MONEY. I, then asked her why would i spend the money if i called you yesterday to check on why has n't the money come out of my checking out. i told her she being rude and that i did n't want to speak with her anymore and please put a manager on the phone. XXXX start yelling at me saying that all the managers were " in a meeting '', so i asked her to put another rep on the phone. She stated no i will give the manager a message that you called, i asked her what was her last name and she stated " My name is XXXX with XXXX, i do n't have to give you my last name. I hung up on the rep and called back and spoke with a man ( which he refused to give me his name ) but did provide me with XXXX 's last name ( XXXX ). I explained the situation to him and he transfers me back to XXXX and she tells me that the managers are still " IN A MEETING '', mind you that neither XXXX of them gave me the MINI MIRANDA OR QUALITY ASSURANCE. I spoke with the operation manager XXXX he was very nonchalant about the situation and really did n't care in my opinion. He to did not verify my identity or give me the MINI MIRANDA OR QUALITY ASSURANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A few months ago my parents received phone calls on their personal cell homes and home landline from Wells Fargo Dealer Services. Voicemails were left at the time asking them to be called back. My dad returned the call think it was regarding a student loan he had cosigned on with me through Wells Fargo and when he found out it was about a car loan he told them they should contact me and not him as he did n't have anything to do with this and was n't authorized to talk about that account. They then placed calls to my mom 's cell and left a message and my parents landline. I called them back and asked why they were calling those phone numbers when I had never given them those phone numbers, nor authorized them to call those numbers and leave voicemails. They said they had no idea how those calls went out because they did n't have the numbers anywhere on file and should n't be calling those numbers. I told them I was extremely frusterated by this because it caused my parents unnecessary stress and concern. I asked where they acquired the numbers since they did n't have them on file and the associate kept saying he did n't know and they were n't listed anywhere on my file. He said he would make a note that they did n't call those numbers again. I asked that if they wanted to talk about money I owe they call me only and/or mail me something telling me to contact them. Today ( X/X/17 ) my dad recieved a call from XXXX ( XXXX ) XXXX and when he answered they asked for me and he said they had the wrong number and he hung up. They called him at XXXX. A few seconds later the number called my cell. I was n't able to answer as I am at the hospital. <P/>I am upset that Wells Fargo continues to harass my parents in an attempt to reach me when I have asked them not to. Also, that they continue to call phone numbers that they claim to have no knowledge of having or using.

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 12-08-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX 2015, XXXX XXXX, XXXX XXXX in error pulled my credit 7 times to purchase a car for my XXXX adult daughter. Ask them to only pull twice, because I could use XXXX XXXX XXXX & I was going to purchase a property 6 months. The New General Manager, XXXX XXXX at area code XXXX XXXX XXXX XXXX XXXX provided a letter explaining the error a month ago after a year and a half of trying to have some of them removed, however Equifax has refused to remove any of the inquires. Doing the hard pulls, Equifax dropped by credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Credit card debt) with Global Credit & Collection Corporation (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Global Credit & Collections are in Violation of the FCRA and FDCPA sending me collection Notice and attemps to collect on a Previous Fraud account from XXXX  XXXX # XXXX in which XXXX Bank was put on Notice of the Fraud Dispute and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Upon looking into my credit reports, I noticed that there were Nelnet accounts under my name but with different social security numbers. I am now having to dispute all this information in order to improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: In XX/XX/XXXX, my wife became XXXX and we fell behind on some payments, due to delays in the processing of her Worker 's Compensation case. I entered into an agreement with Chase Credit Cards XXXX XXXX XXXX  XXXX, DE XXXX. My account number was # XXXX. My SSN # XXXX. After 2+ years of payments, Chase unilaterally ceased sending payment reminders. This had a disastrous effect. In XX/XX/XXXX, I XXXX overseas to XXXX. Without the statements being sent, my wife did not know who to pay, where to pay, how much to pay. Furthermore, It was not her account, and despite her having a PoA, they refused to provide this information to me. They are now FALSELY reporting to the Credit Reporting Agencies that I was late, because of their own negligence lack of help and lack of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: About a XXXX and a XXXX ago, My Lady had come up with some medical issues and we had some medical expenses that were unexpected, we fell behind on our mortgage payment and we tried to catch up for about XXXX months, So after all the XXXX and anguish, not being able to sleep, and My Lady crying thinking we were going lose the house. We were only XXXX month behind all this time. So we decided to ask for a payment plan to catch up. At this point they granted us XXXX, So after XXXX months we were finished with the plan to catchup, So when we went to make our regular payment after the payment plan they said that we were a month behind, and I had asked them how could that be we just got off a plan to catch up, and to this day they can not give Us a Liable Reason for being behind a month " Again ''. This has affected our credit score in a really bad way, in which they said that it would n't while they would be investigating the matter. We have tried to refi the property but the result of their lack of responsibility to resolve this problem has put our credit score to where nobody will even try to help us. this has been a on going problem with them going on XXXX months, I call them at least XXXX a month to see what or where they are with the issue and all they want is the full payment of XXXX months, and when I ask about the matter that is suppose to be investigating they transfer me from XXXX department to another with representative that do n't know what to tell me or have no knowledge of what I 'm talking about and transfer me again, All we want is to get our credit fixed from this and have a local mortgage company carry our loan from now on, we can not go on with this, it 's unbearable and XXXX, We are not the smartest people in the world ... But we do know when things are not right. Please Help Us!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The FCRA Guidelines specifically states that it prohibits incomplete or inaccurate information from being reported on a consumers credit report. Doing so constitutes grounds for removal. The Law needs to be followed and enforced. I have wrote this company and faxed information on several occasions regarding these particular accounts listed in this letter. 
1. XXXX XXXX XXXX : This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
2. XXXX XXXX XXXX XXXX This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
3. XXXX XXXX XXXX : This account is/ was in my ex-husbands names, but it is in my credit file therefore deeming it " '' inaccurate '' '' which constitutes grounds for removal. 
4.XXXX XXXX XXXX : A collection account can not be open or go into collections " inaccurate '', " incomplete ''. I have contacted the original creditor and they can not find any account of the sorts in their system. 
FCRA states that if you have previously initiated a dispute or an investigation and do not receive a complete or satisfactory resolution that you may dispute again and the company must respond in XXXX days after receipt of the XXXX notice. This is their XXXX notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This collection agency is still showing a judgment against me with XXXX XXXX court in Ohio, many months after this debt has been paid. This has caused serious ongoing impacts to my credit. I paid off the debt as we agreed. I called them and asked them to remove the unpaid judgement from my account and they have refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (IL).
Issue: Taking out the loan or lease

Complaint: I purchased a 1 yr old BMW 3 series and applied and received a loan from BMW financial services. I was not told however of the high interest rate. I have asked BMW to reduce my interest rate, and they told me to wait 6 mos and apply for re financing. I did but I was told I would not get the rate my salesman told me due to some dealers offering a promotional deal of 0 % or 0.9 % ... .I have been trying to get BMW financial to reduce my interest but to no avail. Can you help a senior out? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled it do not know why I have remainG debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation