milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After my bankruptcy was discharged, I received written communication from Navient that I had to start my repayment plan would start on XXXX/XXXX/2017. Several days later, I received another letter stating my request for forbearance was approved. I did not request a forbearance and have not been in contact with Navient. I am planning on paying my loan back because I do n't want to accrue any more interest on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/2016 I received a HAMP modification packet from Ocwen. Myself and the co-borrower filled out the packet and submitted as instructed. We received an approval letter and instructions to make XXXX trial payments to start XX/XX/XXXX. The payment was sent via next day air and was made via money order. The payment was received and signed for on XX/XX/XXXX but they did n't cash the money order until a week later. They did n't record/post my payment until it was cashed and marked my account late. I then sent my XX/XX/XXXX trail payment via regular mail on XX/XX/XXXX and paid via personal check. They did n't try to cash my payment until a month later, my bank declined the check due to the date so I submitted it again via overnight express ( tracking numbers can be provided as proof ). They successfully cashed that check but again, marked my account late. I then immediately sent a personal check for the XX/XX/XXXX payment on XX/XX/XXXX. I waited and waited and again, they did n't try cashing the check until the middle of XX/XX/XXXX and again my bank declined the payment due to the check date. I again sent another payment in but just last week they sent a letter stating that I had to resubmit the payment via certified funds. I did that via XXXX. Today I received a notice stating that they will not accept the XXXX payment for XX/XX/XXXX and it has been returned. On the letter they state that we are over 90 days past due and that is why they would not accept my payment. Throughout the trial period Ocwen would send multiple letters, each one coming from different Ocwen office/department. None of the letters matched the other and they all had different information. Ocwen has also changed my relationship manager 3 times within the last 3 months. Each time they changed my relationship manager, I called them to try and get accurate info regarding the payments being recorded late. Each time I was advised that everything was ok and the letters were being crossed in the mail. Also each time, my previous call with my previous relationship manager was never recorded so I had to start all over with every call I made. Now Ocwen will not accept the last trial payment ( that was due and payment attempt was made before the XX/XX/XXXX ) or our XX/XX/XXXX payment as they said we are 90 past due. They are no longer honoring the signed HAMP agreement and my calls to them have not resolved the problem. We are now at risk of losing our home again because Ocwen will not accept payment-they will only accept a full payment of over {$6000.00} that they state is overdue. Ocwen has also given my phone number out to various debt relief companies without my approval and these companies call several times a day every day. I have all of their letters, tracking numbers, certified funds receipts, and my returned checks.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX / XXXX XXXX XXXX at XXXX account number # XXXX has placed XXXX collection charges claiming that I, XXXX XXXX owe monies. XXXX is placed for {$1000.00} and the other is placed for {$6000.00}. These accounts are INVALID/INACCURATE ACCOUNTS AS I HAVE NEVER HAD AN ACCOUNT WITH XXXX. 

This collection agency also reports itself as NCC Business Services. 

I have disputed three times with XXXX to have this information deleted as it appeared on my credit report on XX/XX/XXXX and it was previously deleted when it first appeared on or about XX/XX/XXXX. The CRA refuses to delete it claiming the debt is verified by XXXX XXXX XXXX with my name and social security number only but yet has no proof of the debt. 

I contacted XXXX XXXX XXXX via phone on XXXX/XXXX/XXXX and they told me that the debt is mine yet made no attempt to try and collect a payment. I requested proof of this debt over the phone be mailed to me ( meaning signed legal documents or contracts and lease, past payments to this creditor etc. ) and they have failed to provide any proof. I emailed them a request for proof of debt and they do not acknowledge this debt nor have any documents to prove other than stating my name, and social security number match. 

Since they can not provide legal proof this debt must be and should be deleted from my credit report. 

I have attempted three times to get this removed and they refuse to respond and have also claimed they have mailed out information to me in XX/XX/XXXX which they never have, but yet are n't trying to collect any payment from me when i demand information. They ca n't produce the information. They are lying and damaging my credit by reporting a false collection. 

I contacted XXXX as well who XXXX XXXX XXXX claims the debt is with and they also have no proof of legal binding lease or contract or any of my personal IDs, past payments etc. 

This is illegal and XXXX XXXX XXXX is reporting false information. XXXX accounts need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you

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 03-02-2018 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I have borrowed a very very small loan of {$250.00} from a company called inbox loan. On XX/XX/XXXX they have took {$48.00} out of account. The week following XX/XX/XXXX they took out {$37.00} out of account. For the next 3 months I have been charged every Friday {$37.00} till this day. After gettin off the phone with a cosumer rep from inbox loan on XX/XX/XXXX I was told I have signed the right to pay back this very very small loan of {$250.00} for one year. So by XX/XX/XXXX I would be paying back {$1900.00} to this company when I have only borrowed a very very very small amount of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with Crow Creek Sioux Tribe (MI).
Issue: Struggling to pay your loan

Complaint: On approximatelyXX/XX/XXXXa loan was taken out with Myloansite for {$820.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$240.00} was completed on my next registered pay day of XX/XX/XXXX with 19 payments of {$240.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$4900.00}. This loan has become difficult to pay back due to the high interest rate and fees. 

Upon further review I discovered that the practice of Tribal loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates Myloansite applies to their loans ( annual percentage of 664.97 % ) do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back only the principal amount of the loan, but not the interest and fees. I willingly borrowed {$820.00} and will pay it back via payment plan, minus the {$240.00} I have already paid, for a total of {$570.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. 
At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of Myloansite to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. 

Thank you, 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 01/27/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I had a XXXX scammer from XXXX ruin my account at the Chase Bank in XXXX, XXXX. I cashed the check but it was a counterfeit check and the bank closed the account and sent it to collections. I need to pay off everything I owe Chase Bank and have an account in the positive. I have written them letters and phone calls and BBB complaints and it is not resolved. I see money scam after money scam on TV and get mail fraud from XXXX XXXX in XXXX, XXXX XXXX. XXXX XXXX claiming " XXXX wants me to be rich '' and he says he gives away " miracle money '' and he does n't. The US Postal Inspector should do something about this and they do n't. According to the show American Greed on XXXX mail fraud is a felony. Why do n't they do anything about it? They are on XXXX XXXX XXXX XXXX, XXXX. They and my bank need to communicate to pay off my debt and to open a legit account in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a second mortgage with Nationstar that was removed through a chapter XXXX bankruptcy. The lien was removed and the recorded document of the lien removal was sent to me. When I go on to my Nationstar account, for my 1st mortgage I still have with them, unfortunately, I see the information listed below. When I call the collection company, they tell me yes the lien was released. " Do n't worry about what you see on your Nationstar Account, only you can see it, no one else. No one has ever called before about this. '' The customer service man also told me that the collection agency listed below is a subsidiary of Nationstar ( Nationstar IS a collection agency! ). I asked since they are related, would you please communicate to them to remove it. He told me he can not do that. He told me not to worry about it since it is no longer on my credit report - how did he know that? 

YOUR ACCOUNT HAS BEEN CHARGED-OFF AND HAS BEEN PLACED WITH XXXX FOR COLLECTION OF THE OUTSTANDING BALANCE. 
Note : the charge-off of your account does not affect your obligations under the terms of the Note and/or Security Instrument. 

Please contact XXXX to discuss repayment options at XXXX or email XXXXXXXXXXXX or visit XXXX online. 


LOAN NUMBERXXXXMATURITY DATEXXXX/XXXX/2037INTEREST RATE8.313 %

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Can't contact lender

Complaint: I received a payday loan and prior to the due date of the loan Advance America contacted my wife on her phone line as a reminder to pay on due date. My number is active should of been the only number contacted unless the loan was past due and my wife was contacted as a reference ( as intended when her info was left ). My wife has now received 2 calls from advance america.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with North Shore Agency, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX-17 : Received COLLECTION AGENCY ALERT from North Shore Agency regarding {$110.00} allegedly owed to XXXX in XXXX, PA. I immediately disputed the debt in writing to North Short Agency as well as XXXX. I do not do business with XXXX at all. Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In early  XXXX     2017 I contacted Fedloan Servicing through their message center requesting a DETAILED report of which payments they deemed as " qualifying '' for the Public Service Loan Forgiveness program including which dates and months that were not deemed qualifying and why. I was told they would  need 90 days to produce a detailed report ( not just a total number of qualifying payments, which is all they had provided ). I asked for this report because my calculation of qualifying payments was significantly off of the 79 months number they provided. I have contacted them several times through their website and by phone regarding this request not being fulfilled since  XXXX . Most recently  XXXX   XXXX ,  2017 I was t old a supervisor would be looking into why it has taken 5 months to produce this report. I still do not have a report. This is unacceptable as I am paying this servicer to service this loan, yet they are not providing a basic service of showing how they came to a number that is in my opinion incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They continue reporting XXXX XXXX aka XXXX which is incorrect and have damaged my credit for years. Also, they continue to allow hard inquiries when I added a fraud report and asked them to stop. Even more, accounts were opened without my permission and the credit card company sent them letters to remove the accounts, yet the hard inquiries remain damaging my credit. I hate filing these but every time I try to file my dispute through their site I upload everything and hit submit and nothing happens. IT 's stuck. I will show a screenshot of where I got and repeatedly hitting submit does nothing.

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 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I TRIED TO FIX THIS PROBLEM THAT MY SON HAS THE SAME NAME AND ADDRESS THAT I HAVE HIS STUDENT LOANS ARE REPORTING ON MY CREDIT FILES. MY SON IS NO LONGER HERE HE XXXX XXXX. I ALSO HAVE FRAUDULENT ACCOUNTS SHOWING ON MY REPORTS.

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 07/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient told me they would n't extend my Administrative Forbearance in regards to my Defense to Repayment application in XXXX correspondence and then another said they would. There is no communication between Navient, FSA, DOE, or any department. It 's conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was divulged ( SSN, addresses, credit details ) in the Equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Charge Off reporting incorrectly. 
I contacted XXXX and they were not able to provide information regarding this Charge off Account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (MT).
Issue: Making/receiving payments, sending money

Complaint: I have used Ally as my primary checking account for receiving my direct deposits, paying bills, and using a debit card. This month my mortgage payment to XXXX XXXX XXXX was scheduled to be received by the bank by the XXXX. On the XXXX I was assessed a late fee of almost {$40.00} because my payment had not been received. I contacted Ally bank to ask about why the payment had not been received and was told " We do n't know why it is n't there '', " It hasnt cleared your account '', and " It should have made it on time ''. When I asked if I could cancel that initial check since I have no idea where it is, or if it ever did get sent so that I could ensure I could pay my mortgage over the phone or through XXXX XXXX XXXX 's website instead and not having to worry about needing enough funds to cover when the initial check cleared I was told that there was a {$15.00} check cancellation fee unless I waited until at least 10 days past the anticipated received by date. So now I am stuck with a {$40.00} late fee, a late payment on my mortgage and credit history, and a fee to cancel the initial check that still has n't made it to the bank, which leaves me with no way to pay my mortgage currently until I wait out the ten days, cancel the check, and finish transferring all of my money out of Ally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has repeatedly called me over a debt that I do not owe. They have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I wrote them and letter and explained to them that I do not owe this debt and told them to stop contacting me. I spoke to them 2 times when they called and explained to them that I do not owe this bill. They refuse to stop harassing me. My daughters mom took her to the dr and she signed the finacial responsibility and I explained this to them and told them to call her. They told me that they are calling me because I have insurance on my daughter. I am not responsible for this and I want the harassment to stop.

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 01-10-2018 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Loan not in my name, grand deed done XX/XX/XXXX and have power of attorney dated XX/XX/XXXX, know loan not in my name but power of attorney is exclusive for the loan, modification etc. faxed paperwork XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was all complete, have a rep but rarely calls back, always loosing paperwork etc. Called XX/XX/XXXX was on hold for over an hour, per california law loan was never reviewed for modification, rep was on vacation, transferred to 6 different departments, finally loss mitigation rep said would have a manager call me back the XX/XX/XXXX or XX/XX/XXXX, NO CALL! Paperwork was in before sale date, have proof of everything and yet to have a return call WITH MESSAGE LEFT! My cousin has been faxing, calling, faxing, yet no one responds back!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / HIPAA VIOLATION / NO KNOWLEDGE OF THE 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 11-06-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: i am behind in my payments due to very high interest in the loan, also due to this situation I will almost pay for the car very close the doble of the vehicle value at the moment off the purchase if we include penalties in late payments, and the high interest as you can notice with the papers that accompanied this letter also I have the situation of my mothers XXXX XXXX makes me skip many days at work .being late or leave early in my schedule working hours, I sent a letter requesting some help. this letter was annexed to one of the checks of the monthly payment, the exact date of the send of this letter I do n't remember. but they did receive the letter, the check was cleared I did not received any answer, I have been trying to refinance the vehicle but due to my situation I have been rejected, on the basis I do not meet their requirements of refinancing, like have a cosigner and the likes. Also I was told, that due to the conditions of the loan, it will be difficult for me to get a refinancing of this vehicle, I do want to keep the vehicle I make the effort to be current in the payment, but not always is that easy.27 payments already are being done and the loan seems it will never be paid off.

Company response to consumer: Closed with explanation