milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: APR or interest rate

Complaint: I was charged interest on purchases for a credit card that had been paid in full the prior month. When I called to find out why I was charged interest, I was told that the interest was residual interest and unless I paid my account in full 2 months in a row, there would be residual interest. I asked them to explain to me what purchases had residual interest and they could not explain it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Ocwen Mortgage is incorrectly reporting my credit history. They show XXXX accounts on my credit report when I have had only XXXX. They show late payments that they had agreed not to show as part of an agreement. I have informed them several times and they refuse to correct it which is a violation of FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX XXXX, 1997, Filed ( XXXX No. XXXX ) as well as a violation of the precedent set by the XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting CO in the current month of several closed accounts which is totally incorrect because these accounts are closed years ago. 
XXXX XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. They were reporting CO int he month of XXXX and in now they are reporting CO in the month of XXXX 2016. 
XXXX XXXX XXXX -- This is a closed and paid account but only Equifax is reporting it as open account and also reporting it with balance. Equifax is also keep on reporting CO every month on this closed account. 
XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. They were reporting CO int he month of XXXX and in now they are reporting CO in the month of XXXX 2016. 
XXXX XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. 

I have disputed this with Equifax and sent them many letters but they keep on ignoring these issue and continue to report these CO every month on the closed account and it is decreasing my credit scores terribly. 
I am attaching the screenshots of these

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I received my escrow account statement from my new servicer ( SLS Mortgages ). SLS obtained my mortgage from XXXX XXXX XXXX in XXXX 2015. SLS is trying to force me to keep 2 months escrow payment in my escrow account. The shortage is almost double the 2 month requirement. SLS tells me that they can require me to keep 2 months escrow payments in my escrow account. Is this correct? Why is it almost double the amount of 2 months. My escrow payment for my taxes and insurance is less than what the payment was before the analysis.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had my student loans with XXXX XXXX at first then Navient took over. My student loan went from about XXXX to now {$37000.00} plus. I could not afford even the IBR payment at the time and had to keep my loan in forbearance. I would call and tell them that I could not afford the payment and they would not help me telling me there was nothing more they could do for me. Then 2 years ago when student loan forgiveness was in the forefront I called to see if I was eligible and now I have my loans with XXXX. I struggled months and months of making payments to XXXX/Navient. I was wondering if I would be eligible for any monies if Navient has to pay a fine and would give students back monies for their scary practices? I will never get my student loan paid off but I am eligible for loan forgiveness in 10 years because I work for a XXXX through the Public Service Loan Forgiveness program What is unfair is I have made many months of payments to XXXX XXXX and when I found a way to be able to get my loan bought from XXXX I had to start over making payments that would have counted for student loan forgiveness 10 years of payments. XXXX XXXX was not very helpful when I asked them for help when my loan was with them. I know I accured many late payments because of trying to stay current on my loan with them. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WI).
Issue: Settlement process and costs

Complaint: Whilst getting a replacement debit card, due to a stolen account number, the personal banker suggested a refinance on my existing FHA mortgage. She said she could beat the rate I had, but I need to submit some info to " LOCK '' in the rate, which could be done over the phone. However once everything was completed & we showed up to sign the paperwork, there was a higher interest rate than what we had " locked ''. Then the manager to tell us they do n't lock rates. And we had to wait for everything to go through before we would know what it is. In other words, w/o telling us in advance, they claim no one knows there rate till signing. Which does n't make any sense, why would anyone waste their time then? So someone is lying, or covering up for someone not doing their job & locking in my rate. Either way, I feel that this was a " Bait & Switch '', and this bank should be ashamed of treating a customer of over 10 years this way. Due to this, we had to go with another loan agency. During this transaction, we found out that we had lost thousands of dollars in interest savings by wasting our time with US Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: this is my second dispute with no resolve..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Check Smart has called me multiple times to remind me about a payment due on XXXX/XXXX/15. I made a verbal agreement that I would make a payment and one more on the date above. I was told that I would not receive anymore calls from them unless I broke the agreement which I have not. I feel I am being harassed by this company and I am getting annoyed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (HI).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I refinanced our mortgage last to rid ourselves of Wells Fargo Bank and inserted an attachment to our escrow that Wells Fargo and/or their assigns were not to be the servicer of the loan. The reason was for illegal practices ; in our case forced insurance when we had already insured and closed with proof. They insisted we pay their insurance form regardless of not proving that the insurer was legal to do business in Hawaii. Wells Fargo was primarily instrumental in the sub-prime fiasco which up ended the economy and interrupted the incomes of both my wife and I which incomes qualified us for the mortgage. Subsequently we lost most of the incomes necessary to pay the mortgage on time and Wells Fargo came after the security for our mortgage ; our home. We went late because of their impropriety and fraudulent banking practicing and we able to keep the home because I as a former mortgage loan officer structured our mortgage to provide assurance. All of my attempts to seek mutual solution with the bank including using the U.S. Attorney General 's office fell by the way side and we are still stuck with Wells Fargo Mortgage. 
I have had difficulty with that bank since 1984 and while I was able then to severe the relationship I have not been able to do so yet. 
What I was seeking and continue to seek is severance and the cancellation of agreements with the bank including the current mortgage with forgiveness of debt which currently is less than the origination amount due to our principles of paying what we owe. 
We have not faulted or harmed Wells Fargo Bank/Mortgage yet will not be able to say we have been treated like such in return. 
To agree to a lending and payment contract while stating and demanding fulfillment of qualifications necessary for approval and then defeating those qualifications as the lender and not the borrower and then attempting to assume possession of the security is lender fraud which is against the law. We know that, all of us, and we know that we know it.

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 06/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have multiple private loans with Navient. I was continually fed false information on my repayment options. I was able to get in touch wit h one r epresentative who told me the correct repayment options available to me. I am currently in school full time and have a in-school deferment for all my loans, even the private loans through Navient. I made a " catch up '' payment  in  XX/XX/XXXX . The in-school deferment was recommended to me by the Navient representative in XX/XX/XXXX . I became a full time student in  XX/XX/XXXX . I began recieving 4-10 phones calls Monday - Friday, from Navient, starting in  XX/XX/XXXX . Navi ent uses multiple numbers and only leaves one message per day, despite the numerous phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AFNI, INC. Is Reporting under XXXX Bureaus and have not verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Esperian Credit Reporting has continually reported false and negative information pertaining to a loan at XXXX XXXX XXXX XXXX California. They show wording s foreclosure started. XXXX XXXX XXXX which realized this was to be removed has put that in writing to CPB and Esperian to remove this from my record. This was a bad loan from the beginning as stated by The California Department Of Justice. The real issue is the failure to perform by Esperian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have both federal and private loans. I was n't able to complete the program for which I initially got the loans and now the payments are way too high. I just ca n't afford them. Navient has been unwilling to work with me. I 've been told many times that there 's nothing more they can do for me. I am the parent of a special needs child. He requires round the clock care and I can no longer work the hours I used to work. Navient does n't seem to care about this at all. I have heard that the Fed will be forgiving student loans for disabled/special needs students. I think they should also forgive loans to parents of special needs children who 's children put a significant time and financial strain on the family. I should n't be required to decide whether or not this month my student loans will get paid, OR my son will have the medical attention and care he needs.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is reporting XXXX tax liens on my credit report. I have spoken to IRS they stated that have never issues any Tax Lein against my name. I went down to the court house. I was told that they do not speak or provide any information to any of the credit bureaus. They even provided me this in writing. They also check XXXX and is unable to locate my name address and Social in their system. Yet trans union is violating my consumer right and damaging my credit with incorrect information.

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 06-09-2017 about Debt collection (Other debt) with Risecredit, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On multiple occassions,  XXXX   XXXX   XXXX  has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I pulled my credit annual report and found false information being shared to credit card company. Nasty remarks like failed to pay promised loans I am not receiving any credit for continueing to paying my home mortgage ( XXXX XXXX XXXX ) and my home equity line of credit ( XXXX XXXX ) since XXXX XXXX. A few other no no 's have been deleted, but Experien is Remaining on the outcome to not report. it shows CO XXXX XXXX, which I have made my payment since day one of this bank buying my loan in XX/XX/XXXX to XX/XX/XXXX. Same with us bank. So none of the credit agencies are willing to do the right thing and report my payments being made, on time, every month, never late. XXXX got even nastier and took my fica score from XXXX to XXXX than XXXX within 2 weeks??? I am not giving up to get the correct credit reporting. I sent them proof of all my payments made, proof from both corporate banks showing i made the payments and these credit bureas are still refusing to show that. I can send documents if need be, but these are sensitive and last thing i need is more problems with my credit. If need be, i can send all that I have in, which is about XXXX pages. XXXX XXXX muddied up my credit report last year when I cancelled a refi loan in where they were asking enormous fees to do an appraisal. The paper trails says it all for itself. it 's not coincidental, I spoke with XXXX men XXXX and XXXX at the XXXX office, and they both had bad attitudes towards 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 explanation
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with Element Global Services (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The company is continually calling my XXXXyr Olds cell phone, left a threatening vm that they were going to sue him. I 've called them 3x in regards to this matter stating they have the wrong phone number, and they said it was removed from their files not even asking my name, the number or anything. They are constantly calling and wo n't leave a voicemail. I just want the calls to stop!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: On XXXX XXXX I receive a Capital One credit card a welcoming package by mail at my home address. I also received a email text with a link to set-up my banking checking account with this card for payment source..The Capital One credit card came with a mobile text number to one step mobile app to activate card.I did n't care to use mobile app because I do n't trust this source and not very text literate ... That 's where the problem started ... I call customer service was asked a lot of personnel question gave everything they as for and offered any information they needed ... after about 30 min the agent gave me a number to card XXXX a secure service ... The agent Who said her name was XXXX asked me many of the same questions as the first, put me on hold for more than 15 min came back and said the to number I gave her had issues and to hold, again 10 min..now it was about XXXX XXXX central time ... .she came back it will take some time to activate that capital one master card to get information about my license card ... I told her I have any thing she needed on hand ... .she said no she would send me a email and about 72 hr ... ..I told her I am not tech literate as far as up-loading any thing ... well she said it was a problem ... I told her if it such a problem maybe the should be cancel she did..I called back to speak another agent the ca n't help it is cancel ... .all of this because I have a XXXX XXXX that I am receiving treatment since XXXX..no help from this company with me not being smart with this tech thing..

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Credit decision / Underwriting

Complaint: I 've reached out to both SLS and XXXX regarding my XXXX mortgage that is now paid in full. They are reflecting on my credit report with the name Specialize Loan Servicing, but the address is for XXXX. This is hurting my credit score and resulting to my interest rates increasing and not qualifying for credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Santander USA is the worst company in the world. I have been forced to pay a car I never drove. I went to a XXXX dealer to finance a car and asked them for a black. After signed papers work they delivered a red car. I called santander and they told me they couldn't do anything to return the car to the dealer but they could take the car and sell it for me and pay it off. We agreed that it was not gon na affect my credit. After they picked up the car they started reporting charge off on my credit. And when they picked up the car they asked me to not make any payment before they sell it. 3 month later I received a letter stating they sold the car for less than the value and I had to pay the difference that was {$10000.00}. We agreed i had to pay {$5000.00} and they was gon na keep my {$3500.00} down payment, my wareanty refund and my gap insurance refund. Everything together was more than {$10000.00}. 1st they broke our agrement, 2nd they messed up my credit and now they're reporting the account is paid for less than the amount own. 
I'm looking for to bring santander in court but don't know how. To everyone, if a dealer try to give you a car loan through santander be careful because you will be disappointed at the end. The worst bank ever

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I feel that I was directed to utilize the " forbearance '' option instead of discussing other alternatives/options. I had a $ XXXX loan which has now ballooned to $ XXXX as a result of the forebearance option. I was approved for so many forbearance 's every single time that I do not believe there was a limit or that I had other payment options. I have utilized my entire XXXX funds in order to pay for my loans and to be current on my loan. I currently pay {$1300.00} per month and I ca n't afford to pay this any longer. I need a reduction in my payment and I can only afford to pay {$300.00} per month without having to borrow from my XXXX or even take hardship withdrawals. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XX/XX/XXXX XXXX account need to be removed from my credit report this information is incorrect- XXXX  XXXX XXXX XXXX XXXX account need to be removed from my credit report because this account is inactive - Comenity bank/XXXX XXXX XXXX XXXX account need to be removed from my credit report it has been past 7 years - ComenityBK/XXXX XXXX XXXX account need to be removed from my credit report - Medical bill was paid after the insurance dispute. XXXX XXXX account need to be removed from my credit report this account is past 7 years - XXXX/XXXX XXXX XXXX account to be removed from my credit report this account has been inactive - XXXX/XXXX

Company response to consumer: Closed with explanation