milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had my private student loan through XXXX and then navient. They would constantly call my house and my grandfathers house stating I was delequent on loans even though when you talked to them they looked at your account they seen it was current. Also have only a XXXX loan the interest is so high that i have paid almost {$200.00} a month for 5 years and still none of the principle has decresed. I also have federal loans im paying i cant afford a this payment that does not do anything but pay interest to this company. I can not build a life like this im XXXX and still have nothing to my name because of this. This company been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been unable to get a credit report from experian. I believe there are wrong information and would like to review all of my credit scores. I have n't had a credit card in a long time and need to find out what is on the credit reports they say I am entitled to a free report but ca n't seem to get in contact by phone or online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hello - I ordered my credit report and score from Experian on XXXX XXXX, 2016. I paid {$8.00} with my XXXX XXXX card and the transaction 's confirmation # is XXXX ; the report number for my documents is XXXX. The website said I would receive my packet by XXXX XXXX, 2016. I did not receive it. I emailed Experian through its general " contact us '' portal on XXXX XXXX to ask about it, and have received no reply and no packet. I emailed them again today, XXXX XXXX, and do not expect a reply to this either. I sat on hold for many minutes today hoping to speak to someone, in vain - never got to speak to anyone, so I hung up finally. Is there some way you can please facilitate their keeping up their end of the bargain? At the same time ( XXXX/XXXX/16 ), I ordered from the other XXXX credit companies, XXXX and XXXX, and had completely straightforward, aboveboard experiences with them both. I am angry with Experian! Thanks for any help you can provide. 
Regards, 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 non-monetary relief
Consumer complaint received 07-11-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: Modification request sent XX/XX/XXXX Docs uploaded XX/XX/XXXX Follow ups until advised on XX/XX/XXXX told alternative income needs to be sourced, unable to reach anyone in department ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) finally spoke to rep XX/XX/XXXX who advised insurance payment is in wrong field. Resent borrowers affadavit with correction XX/XX/XXXX XX/XX/XXXX spoke to SPOC XXXX called weekly XX/XX/XXXX called advised modification denied, no reason in notes, XXXX rep, advised would escalated and reach out to management Advised to send in notice of appeal if no follow up call in 5-7 days from underwriter. XX/XX/XXXX filed appeal XX/XX/XXXX advised appeal request has been received bt it needs additional docs, XX/XX/XXXX sent appeal request hardship letter and docs XX/XX/XXXX spoke to rep XXXX adv 5-7 days to review appeal XX/XX/XXXX after calling weekly with no updated none of the call backs were returned, escalated file, sent email copied Loan Care upper management XX/XX/XXXX received email from XXXX XXXX advising forbearance was approved, received forbearance request, for a 12 month period in the amount of XXXX per month. ( Unemployment income was XXXX per week, daycare XXXX week, car note, car insurance, food gas, yes dint make sense, XX/XX/XXXX reached out to SPOC, spoke about negative credit impact, advised worked for a bank and needed this issue remedied in order to get comparable income to pay mortgage, stressed the longevity of this process, negatively impacted my chance to obtain a credit car increase, personal loan ect. Was advised delinquency unlocks programs to aide customers, versus customers who are not delinquent. XXXX due to negative impact further hindering permanent job opportunities/ forbearance agreement not thought out, and poses a negative customer impact, would prefer Loan Modification. Advised per pay stubs I am working, and would prefer mod. Resubmitted package, to SPOC, was advised this would be sent to underwriting and should hear something prior to first forbearance trial payment ( X/X/17 ) XX/XX/XXXX received email that processor needed me to resubmit docs, not new docs but the same docs. i thought maybe I had saved them wrong. XX/XX/XXXX advised file is with processor, not underwriter, file had not been reviewed. Finally 4 month later I am told after numerous callback request going unanswered that XX/XX/XXXX my file was assigned to underwriter 4 months later My ultimate goal is to shine light on the negative impact caused by the longevity of this process and it further hinders financial resources be accessible to person who reach out for help. Additionally, the purpose of the SPOC needs to be more functional, able, to grab a file, decision and run past management to reduce underwriters pipeline, and deescalate certain situations.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: sent police reports equifax is taking more than 45 days to remove my items that was taking off by their competitors

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Trouble during payment process

Complaint: My grandfather is the account holder on the mortgage and he is XXXX. I called the servicer to advise of his XXXX and to find out the procedure of what to do. 

I faxed a copy of the XXXX XXXX, mailed a copy of the XXXX XXXX and uploaded a copy of the XXXX XXXX to their website. 

I advised I was the person handling his affairs for my family to get options on what to do with the loan. 

Despite having the information that he is dead, and I am the one handling his affairs, they will not give me any options or speak with me about the account in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient Corporation, my l oan servicer, has not provided me with accurate information about income-based repayment options. Since I requested this option, almost 4 years ago when I became unemployed due to a lay-off, they have given me inconsistent information. The link they provided me to complete the application for my husband did not work. As such, this process has been delayed, and I have had to place my loans in forbearance. The balance on my loans has increased dramatically, by almost {$10000.00} since eventhough many of my loans are subsidized.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Student loan (Private student loan) with AES/PHEAA (PA).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I was notified by XXXX XXXX XXXX that I had a student loan administered through XXXX XXXX ( XXXX XXXX XXXX XXXX ) This loan was serviced through AES which holds my federal loans. This was false as I never had a private loan, I only have federal loans. 

I contacted AES to ask for disbursement, debt verification and any other information in regards to this loan. I contacted XXXX XXXX XXXX XXXX to see if they have a record of my loan. 

XX/XX/XXXX, I filed an inquiry with XXXX and received a letter from XXXX XXXX stating that they will delete the listing from my credit profile due to fraud. It was deleted, however, the XXXX listing was on my credit file. 

XX/XX/XXXX I noticed that the XXXX XXXX XXXX  was on my credit report and I contacted them to ask for check disbursement, promissory note and a fraud packet. As I feel that it is a conflict of interest for AES to hold my federal loans and a fraudulent loan. They already have my signature on file and all of my information. 

I have not received a check disbursement. I did receive what appears to be a fraudulent student promissory note with crossed out information, jobs that I never worked at. 

I also filed a police report as well. I see that there is a class action suite settlement, how do I have my case considered

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (AR).
Issue: Loan modification,collection,foreclosure

Complaint: to start with I was under a chapter XXXX in XXXX XXXX, I just made last payment and was fired from my job. I called XXXX XXXX XXXX and informed I was unable to make payment, they told me they has n't received the discharged letter yet. it took about 8 months for them to get letter. then we started paperwork for refinance numerous time paperwork was sent to them always with something not right or missing. this went on till about XXXX XXXX. I told them I had been identified as a XXXX veteran next thing I know, I 'm dealing with Select portfoilo. again same result told them I was trying to get a refinance. again same run around missing paperwork, information not right. here again I have got another notice of sale while I am again trying to do a refinance. the latest paper states, they want me to make 3 monthly payments of about XXXX and once this is accomplished they will try again if they have all paperwork, meanwhile I have received a letter of a foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I had previously filed XXXX complaints against Seterus - XXXX and XXXX regarding unethical and illegal practices. After filing the last compliant, I sought assistance from an HUD approved agency, Washington XXXX XXXX for foreclosure prevention. We completed and submitted a complete package to Seterus. Seterus responded with a letter ( attached ) dated XXXX XXXX, XXXX with a payment agreement. The first payment of {$1300.00} was due on XXXX XXXX, XXXX. On that date, I called to make the payment and was informed the letter was sent by mistake and I had to pay {$3900.00} to keep from moving the foreclosure ( letter attached ). Because I have a lot of equity in my home, it would be an accelerated foreclosure. The least amount I could pay to prevent this was {$3900.00} on that day before going into a new month. Under this threat and pressure, I authorized the payment for that huge amount and then borrowed to cover the funds. Acknowledgement of payment on XXXX/XXXX/XXXX is attached. However, on XXXX XXXX, XXXX, I received a demand letter of foreclosure due in less than 30 days on XXXX XXXX, XXXX ( attached ). I have sent numerous complete packages to Seterus and after I submit a complaint for non-response to my request, they say something is not complete. Problems have been going on since my account has been with Seterus such as saying I had declared bankruptcy ( which I never have ) saying I was in foreclosure ( when the account was current ) increasing monthly payments, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX  I have been working with Resurgent Capital Services (  XXXX   )  for months to obtain detail on a debt improperly sold to them by  XXXX   XXXX . Despite  XXXX  's refusal to discuss details of an account sold to an external collector, I was able to escalate the matter to several supervisors and a Department  XXXX  in  XXXX  's  XXXX  Department. I was able to ascertain the debt was assessed due to an improper billing of usage fees and an early termination fee  (  ETF ). Both were waived and the account was settled at or around  XXXX  of  XXXX .  XXXX  did not update their system and sold the account to a debt collector without proper notification. I had to research this on my own because, despite promises to do so,  XXXX  has not.     Resurgent claims to have initiated an investigation into the matter upon my request, but cited little more than having a  XXXX  billing statement as definitive proof that I owed the debt. This is categorically false : it is proof of  XXXX  's claim, not proof of the debt. Resurgent refuses to discuss the details of their " investigation '' beyond that. I asked for the  XXXX  customer service call logs and service records to be reviewed and discussed. I maintain that verbal discussions and agreements were reached with  XXXX , prior to the sale of the debt, that resulted in a zero balance owed. I have verified that the details of these agreements are retained by  XXXX . I also requested  Resurgent o btain copies of such detail along with records of service interruptions, dropped calls, and complaints from other customers to substantiate my claim that I was billed for services not provided and violations of the  XXXX   XXXX   XXXX  agreement with  XXXX . This information exists and is available to  Resurgent.      Due to the lack of ethical pursuit of debt validation, and the verbal agreements reached with  XXXX   XXXX , I am looking to immediately remove the falsely reported collection from my credit report as Resurgent does not possess the necessary evidence to support their debt claim under the Fair Credit Reporting Act and has not complied with the requests for information substantiating their false claim of debt. I have initiated reviews with all three credit reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is currently reporting inaccuracies in my credit report. There are XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XXXX which is when these late are showing incorrectly on my credit report. Instead of fixing these errors Experian has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law. Experian continues to report inaccurate personal information that when I call they assure me that it has deleted but when I get the updated report it continues to show up when they tell me it has been deleted. If Experian continues to disregard my dispute and FCRA, FTC and HEA laws set in place then I will be forced to file suit after exhausting all options to rectify this issue. They are bound by these laws set in place so follow the law. This is also through my own due diligence so I do n't need to get a response that questions my intelligence to writing this as this is my own verbiage any stall tactics will be recorded and dully noted.

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 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Allen Daniel Associates, Inc. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: To the Consumer Financial Protection Bureau : I XXXX XXXX, now files a complaint against a collection agency that has acquired information pertaining to a business that has been closed for well over seven ( 7 ) years. The XXXX of XXXX realizes that there are mandates for the collection of state fees for corporations to remain in good standing. These fees, once unpaid for one ( 1 ) year automatically dissolve a corporation or limited liability company originally accepted by the XXXX. In the attached letter, a collection agency is very cutely trying to show that they are trying to collect a monthly withholding tax, which is ludicrous enough. The Federal Trade Commission realized that trying to maintain a reasonable collection system in the country is impossible without legislative measures from Congress, an act that has been voided since Congress is moved only by lobbyist from various banking concerns and the thousands of collection agencies nationwide that can not be regulated. However, this collection by an entity known as The Allen Daniel Associates , Inc. is so corrupt and a threat against me personally or my driver 's license, that this agency should be permanently barred from acquiring information from the XXXX Department of Revenue. It may be possible that the XXXX has no idea that such a collection activity even exists, or that this state agency in in collusion with a collection practice that steps far beyond Fair Debt Collection Practices Act guidelines. One thing is certain, the corporation has been closed for far more than one year, and that there was never a withholding tax instituted by the XXXX of XXXX. I demand that all demands for payment cease and desist by this small-time collection agency known as The Allen Daniel Associates , Inc., and that this information from the XXXX of XXXX Department of Revenue be purged permanently. There is legal precedent on my side, and this threat by a collection agency on fictitious numbers and on claims that can no longer be legally enforced is a disgrace to the measures enforced by the Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX - 2009 ) I demand that this collection agency be sanctioned by the CFPB and that the XXXX of XXXX be warned that these threats of illegal collection actions be shut down immediately. I will follow up with a complaint to the XXXX, both in the XXXX of XXXX XXXX as well as the state of XXXX if I do not have all collection actions permanently closed out within ten ( 10 ) business days.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hello I spoke with a representative from TransUnion  CS rep   XXXX  on :  XXXX   XXXX     2017 at   XXXX   XXXX  and explained to her I was a victim of their inquiry issue and to no avail would she help I insisted that these did not belong to me and nothing or no information was given to properly help me and I am extremely upset about this I want to be able to move forward and stay on track with my credit and this representative would not help and take care of my negative inquiries. Customer service was extremely poor and rep offered no resolution or assistance.

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 10-04-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo ( WF ) lied to me about foreclosing my home beginning XXXX XXXX. I was advised by multiple WF agents that I would not be foreclosed for missing payments as long as I was in a pre-approved modification status. My home was foreclosed in XXXX XXXX. It took me over a year, which included 3 HARP applications and 3 WF applications, before I finally got my home out of foreclosure ( after complaining to the Office of the Comptroller of the Currency - OCC ). I have all of the letters WF sent me during that time and after. Because of the foreclosure my employment options were severely limited, without being able to leave my area I could not fully pursue options in my career field. WF constantly changed the rules for getting out of foreclosure and basically made my and my wife 's lives living XXXX. With the latest WF scandal all over the news I would like someone to revisit my complaint. I filed multiple grievances through the OCC which proved fruitless as they gave up and awarded pitiful compensations. Everyone now knows WF was staffed by dishonest and worse people who manipulated and ruined lives. WF needs to be held accountable. I am now in my XXXX with no retirement and nothing in Savings. We live paycheck to paycheck - and like so many Americans ( and because of WF ) - I am painfully underemployed with no bright prospects. I need to be able to relocate and can not do so.

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 03-04-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX XXXX XXXX. After numerous late payments by her, the vehicle was sold and XXXX paid her the proceeds in excess of her loan balance. Again, I made NONE of the late payments nor was their any " repossession '' from me nor did I participate in any profits from the sale. Despite my repeated requests, EQUIFAX refuses to delete this account or the late payments/repossession status from my file.

Company response to consumer: Closed with explanation