milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (AR).
Issue: Trouble during payment process

Complaint: My name is XXXX XXXX in my loan has been bought by LoanCare which is a terrible company to deal with along with the employee. They call me stating that I had a shortage due to the taxes going up in my area I made three separate payments on it in the last payment did not get applied so my mortgage went up I had to call the company several times and every time that I would speak to different representative they would tell me that they applied it which was never the case so LoanCare sends me out another statement saying that I have another shortage due to me changing Insurance Company the shortest was only supposed to be for {$360.00} they sent me a statement saying I owe them a shortage of {$420.00} which I have no clue on how they got the math because my last insurance was only {$870.00} for the year and my new insurance is only XXXX for the year. For the month of XXXX I paid an additional {$100.00} to go towards the {$360.00} shortage they did not apply and also told me that my loan monthly payment was a different amount because the first escrow shortage was n't paid which was incorrect. I have had to call LoanCare so many times and speak with so many different people they will tell you whatever it takes to get you off the phone and not seem to care at all about your loan nor your heart earn money so I spoke with a manager agent ID XXXX from LoanCare I just went on and made the full payment of the last escrow shortage that they told me I had in full so I would not continue to have headaches dealing with this company I really wish I can get my loan transferred to professional company I 've never had this many difficulties dealing with a mortgage company this telling me every other month I have a escrow shortage the mortgage banks already are robbing us blind we 're paying our homes off three times the amount that is worth just in intrest and it really should be against the law.

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 01-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have called and asked for an accounting of my PSLF payments because I believe that they have made a mistake in their calculation of my payments. It has literally been 6 months since my last call and they have failed to issue a letter to my account. This is a pattern of behavior on the Part of FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had previously said that appear on my credit report are identity theft. they not mine. those account was made by some one else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (MN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Calling repeatedly after I have told them to stop. Sending mail correspondence after telling them to stop. I 'm currently disputing the charges they call about with the company themselves that hired them. This collection is unwarranted.

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 02/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: An agent approved me to use a credit card to pay off my students loan as long as it was paid off within 90 days. She stated the pay off amount would be honored for two weeks. I called one week later to give credit card info and the agent told me they were no longer accepting credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit bureaus.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Following account ( s ) are reporting incorrectly an must be removed immediately : Derogatory mark - XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX, Closed : XX/XX/XXXX I would like to be provided proof I consented to these accounts Via FCRA section 609 and 605 as well as the accuracy of these account via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Consumer Loan (Installment loan) with Integrated Recovery Services (IA).
Issue: Problems when you are unable to pay

Complaint: This loan is with XXXX originally. I had difficulty paying back in XX/XX/XXXX and was eventually able to pay back XXXX of XXXX balance by XXXX. But had trouble setting up arrangement and balance went to collection agency Integrated Recovery Services. In XX/XX/XXXX this agency contacted family and friends staying I had committed fraud and they were threatening to file criminal charges. Since XXXX I have paid back XXXX more but agency continues to call when I request correspondence only by email. Refuses to take payments by mail and did not charge debit card on two occasions. This is not a criminal matter but civil credit debt. Yet agency says they will keep charging to criminal court and threatened to raise costs.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 at around XXXX I attempted to make a deposit of of {$380.00} in cash and a {$90.00} check for a total of {$470.00} at the XXXX 's Huntington Kiosk inside XXXX XXXX in XXXX Ohio. I counted my cash three times before I handed it to the teller who did n't count it in front of me and proceeded to put it in the bill counting machine, which I 've now since learned is called the discriminator. I told the teller the amount I was depositing before he took it to the discriminator. To my dismay and concern he came back insisting I had made a deposit of {$120.00} less than the amount I had referenced. I was incredulous. However, my ire was n't raised until the second banker came over and said he was there to help me. Instead of asking me what my experience was or listening to it, he simply reiterated what the other teller had said and insisted that while he may have dropped a bill or XXXX it was impossible to drop more. He looked down at the floor as he said this. At no time did either try to get my side of the story, or offer to count down the drawer. Instead they both repeated the amount that they insist the discriminator counted. I said that I would never return to this bank branch and that I would go ahead and withdraw my funds and put them in a credit union, as many I knew were doing this. At this point the teller insisted I leave and pointed his finger at me to do so. the next Tuesday morning I went to my Huntington branch and I filled a grievance and was told that now they are discouraged from counting cash back in front of you as it takes too long. I was not offered the possibility of making a report. I had to suggest it and then insist. While the teller was very helpful with the details and did finally ask for descriptions of both tellers, initially he seemed reticent to take the report. I see this as a warning to anyone who intends to deposit it this branch. I believe the XXXX tellers were running a scam at the point of deposit and believe they played on my weak spots to make me question what happened. I was also incredibly concerned at the less then concerned response I was initially met with at the branch banks as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times. 


PORTFOLIO RECOVERY A - collection for {$370.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX PORTFOLIO RECOVERY A - collection for {$420.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Had a USBank Visa card, on XX/XX/XXXX they received a payment of XXXX payment, which left a balance of XXXX. 
The remainder was paid on XX/XX/XXXX which left a XXXX balance. 
On XX/XX/XXXX called and asked to have account closed, and was informed at that time it still had a XXXX balance. 
After getting the letter in the mail on XX/XX/XXXX that said the account had been closed and it was dated XX/XX/XXXX, I decided to look online to make sure all was right, and there was a XXXX balance, it said it was interest charged on Purchases that was charged to the account on the same day it was closed. 
My wife called to inquire about it, and was told that it was from a balance transfer from years ago ( which is a lie ), yet this is the 2nd time the card had been paid off, and any balance Transfer was done before last pay off. 
The statement says Interest on purchases, and XXXX interest on Balance transfers, and XXXX balance on cash advances. But XXXX interest on Purchases. 
And since they did n't credit the XXXX till XX/XX/XXXX they charged Interest on over XXXX worth of balance, at 24.99 %. 
This interest rate has been going up each year since getting card, and never had one single late payment. 
I talked to some woman named XXXX on XX/XX/XXXX who said she was from Legal department, and what they did was legal, and I needed to pay that amount that day, because the account was closed, or she would report it as 30 days late payment. 
I feel I have been victimized by them, and they want me to pay for closing the account at XXXX. The attached file XXXX shows what I am talking about. 
Can you 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
Consumer complaint received 07/18/2017 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: My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed  XXXX , Experian, nor  XXXX  has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given  XXXX , Experian and   XXXX    multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.

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 11/18/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: their score has n't changed from XXXX for six months, competing credit companies scores are as follows and they change ever month XXXX XXXX, XXXX XXXXXXXX XXXXThey say they use XXXX XXXX but nothing ever changes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX XXXX XXXX, GA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Managing the loan or lease

Complaint: I took a high interest loan on a five year term. I paid the loan off in 35 months. the payoff was very little difference from the entire term of the loan. I received a letter 10 days after the loan payoff offering a refinance from the same company. the payoff on the letter was less than what I paid 10 days ago. the loan company told me to bring the letter up there. I did with no resolve. the person on the letter did not work there and it has me wondering if something very wrong is going on. I attempted contacting an attorney but did not find anyone is this field. I think this is predatory lending and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On XX/XX/XXXX I received an email from " XXXX XXXX XXXX XXXX XXXX via XXXX '' informing me that XXXX was changing loan servicer from ACS to XXXX. This email was sent to " XXXX '' which seems to be a listserv they created for everyone who has a Perkins loan within the XXXX system. Someone else was able to respond to that email with questions, which blasted out to everyone. This violates privacy and data sharing practices. Additionally, much of the communications around this Perkins loan has been sketchy and has made me think that there is fraud involved. I was n't aware I had a Perkins loan until I received an overdue notice from ACS ( to my parents address, not to me ) which was written in a way that was intentionally misleading. I owed {$200.00} at the time but it gave me the full amount based on what would happen if I did n't pay, and told me I was seriously delinquent, even though they had not communicated anything to me earlier. This hit my credit score until I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Checking or savings account (Checking account) with KEYCORP (WA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I walked into a Keybank branch in XXXX, WA on XXXX/XXXX/XXXX to figure out what promotions they had for new customers. I was told by a XXXX that I could get {$300.00} for opening an account with deposits of {$1000.00} per month. I agreed to opening the account. After the account was opened she told me that I had to have at least one deposit of at least {$1000.00}. I told her that I was traveling and I 'm not sure if I could do that. We agreed to reverse out the account due to her negligence in telling me the {$1000.00} requirement and I would come back tomorrow to open the smaller account with less requirements. 

I came in the next day XXXX/XXXX/XXXX and opened the account. She called her internal department to ensure that she was n't going to be penalized and that I was still eligible for the promotion. She was told that I was and we opened the account. After I thought I reached the requirements I contacted her ( XXXX ) by phone and she confirmed that I had and that I should get the money without a month or two. Time passed and I never got it. 

I called her multiple times and even went into the branch and each time I kept getting promised a call back and never got one. She finally called today and told me that because her computer system saw the first account opened and closed the same day, I am not considered a new customer and there was nothing I could do. 

I would NOT have opened the account had I known I would have jumped through their hoops just to be told that there was nothing they could do and they were sorry. 

Their agents admitted that I should qualify but because of the system glitch created by XXXX, it is preventing me from getting they money promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2016 about Mortgage (Other mortgage) with Seterus, Inc. (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted a previous complaint about XXXX XXXX, however, I want to include Seterus, Inc in this complaint too. My home was " sold '' today and confirmed in court. XXXX XXXX is the one who foreclosed on me but they are no not my service provider. Seterus is my service provider. I never received notice of the new service provider at my home residential address. Apparently, Seterus sent notification of their becoming my new service provider on XXXX XXXX, XXXX. They sent it to my attorney who has been deceased for nearly 3 years. Now, get this, ..my home was " sold in foreclosure '' on XXXX XXXX, XXXX by Seterus ( Not XXXX XXXX ) and it is currently now " real estate owned. '' Also, according to record, I have received a Ch XXXX bankruptcy discharge on the home on the date XXXX XXXX, XXXX. I am in Chapter XXXX at moment to make XXXX XXXX and Seterus prove they have a claim to this home. I was told by Seterus there is no balance on the account and I should be receiving a XXXX showing the amount on the home that was discharged. 
How can XXXX XXXX confirm a sale today, XXXX XXXX, when Seterus was the one who was the provider as of XXXX XXXX, and Seterus sold it to another person through foreclosure on XXXX XXXX? 
Also, the document that shows XXXX XXXX used to provide a transfer of service or document of sale to Seterus is signed by well-known robo signers and also signed on XXXX XXXX, XXXX. However, Seterus is not on record as having " sold '' my home on that date, too. I believe fraud was perpetrated on the Court and on me! I have a recording of the phone conversation with the Seterus representative. I have also transcribed the call into a written format. 
I have now received XXXX discharges on this property ... XXXX in XXXX and XXXX in XXXX. Neither of these properties have the right to foreclose on me!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Wells Fargo has a monthly {$10.00} service fee if the balance in the checking account is less than a certain amount. One way to avoid the fee is by having 10 transactions during a month. Transactions include purchases and online bill payments. I had 10 transactions, but they changed the requirement to be only 10 purchases without notifying me.

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 03/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Time and time again, I have asked Navient to consolidate my loans to which they reply, we have only offered that option a couples times ... ever. I am also a cosigner on a loan and it has become impossible to get removed even when the person has several people to take my place on the cosigned loan. They are impossible to work with and quite frankly own a piece of my life for quite sometime. It 's frustrating, irritating and all around overwhelming.

Company response to consumer: Closed with explanation