milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2016 about Student loan (Federal student loan servicing) with Van Ru Credit Corporation (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a student loan in which I have been done both consolidation and rehabilation but I defaulted again. My check was being garnished as well as my Federal Income taxes have been taken. I borrowed {$20000.00} to go to college. After defaulting on the consolildation it went up to XXXX after failing to comply with that going into default my student loan became {$39000.00}. I admit that I have not taken care of this matter as best I should have But I think my rights as a consumer is voliated when I am told by the Collecting Agency that payment that were taken by garnishment do n't really count as payment because I did not make any voluntarily payments But Van Ru has garnished by pay for over three years as well as my income taxes are being kept. I know that Van Ru is being investigated for charging outrageous interest on student loans. I know that over {$40000.00} have been paid by me either directly or taken through garnishments or taxes. I will like to know why I was told by Van Ru that there is nothing that I can do to ever come out of default with my student loans. I think that is a punishment which is to severe. I will like to know my true total that is owe to Federal Student Loan. I am trying to get out of default with my student loan, I think it is ridiculous to say that I still owe {$60000.00} in student loans when you look at my payments I have paid well over the {$20000.00}. that I have borrowed originally. I have signed up for student loan forgiveness programs and paid but I was told that I do not qualify for any programs to come out of default. There are student loans forgiveness program that are out taken consumers money..When they do not have the ability to help you. But they are charging these outrageous fees. They tell you that it is a money back guarantee. I paid an agency that promised to assist me student loan forgiveness and they just took my money. I understand that I allowed my loans to go into default. But to take my through garnishment and taxes and tell me that the payment are going towards fee charged by the agency and interest. But yet no even making a dint in the principal which is about three time what I have borrowed. How many times am I going to pay {$20000.00} that I originally borrowed. This is wrong on so many level. It is inhumane.

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 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: While still in school I was given the option to put my loan in forbearance by XXXX. I was not told that interest would accrue. No one explained the implications to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (I do not know) with Account Control Technology, Inc. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX from Account Control Technology has contacted me several times at my place of employment. I can not have calls from outside of the company for personal use. She left a message with our XXXX to call her back at XXXX ext XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone has stolen my identity and opened up this fraudulent account with your company and you have still tried to collect on it and report to the credit bureaus ... this account is totally fraudulent and needs to be handled immediately

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: We were paying the mortgage by phone because there were no branches in the vicinity. There was a {$19.00} dollar phone fee which we never knew about until after six months therefore we were contacted by mail telling us we were behind in our mortgage and late charges and home inspection fees started to mount up. Whenever we tried to call them we were either hung up on or put on hold forever. Furthermore, they told us to apply for a loan modification, not only once but three times. They told us papers were missing, which we sent by certified mail and continued to get the run around. We have paid the mortgage for twenty three years between four different lenders. XXXX XXXX XXXX before transferring our mortgage to Nation Star told us our payments would be lowered and Nation Star never acknowledged it. When we could n't rectify the situation, we stopped paying the mortgage. We are currently going through the foreclosure review process.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I do not appreciate the tone of the representatives from Navient who call and threaten to " move your file to the next step '' If you do not contact them by XXXX. Not only am I in the military ( XXXX ) I WORK too and also recently relocated to a different state a few days ago. I refuse to work with prying unprofessional rude people who do not have the common courtesy to help you out as apposed to questioning, WHY you can not pay something. If i do not have the money at the time, simply put I DO NOT HAVE IT but was willing to pay the following week. I have not been in my position for weeks to even come to a conclusion as to when I can pay before XXXX XXXX. I was willing and able to set up arrangements for XXXX XXXX, but received threats instead.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Professional Debt Mediation has sent me a notice to collect a debt in the amount of {$4700.00}. This collection agency is not licensed for business in Florida, nor are they registered with the Florida Secretary of State ; therefore can not attempt to collect any debt in Florida. Please remove this account from my credit reports immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I filed a complaint against two mortgage companies, Aurora Lending Services and Nationstar Mortgage Company ( XXXX ). The former filed foreclosure on me, even though I was current on payments and provided proof ( cashier 's checks ) that I had responded as the modification contract required. Still they filed foreclosure.
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I lost {$57000.00} in down payment money ( See complaint:XXXX ), years of paying a mortgage with a 10 % plus interest rate, and I have been fighting this matter since XXXX. In XXXX, I surrendered the property in a chapter XXXX that was approved and confirmed by the court. Years later, I discover that Nationstar filed a foreclosure on me in XXXX which is preventing me from securing a mortgage today.
<P/>
Nationstar responded to my complaint with CFPB by sending a message to a former attorney we had retained in XXXX. One problem with their response is that the attorney does not represent us. Another problem is the attorney has been debarred and has lost his license. for mortgage-related client misrepresentations.
<P/>
Please intercede and ensure that all responses are sent to me, not to the previous attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (WY).
Issue: Struggling to pay your loan

Complaint: Today XX/X/17 they called me then called my sister saying they have issued an arrest warrant for me cause payment bounced and it 's been months

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing statement

Complaint: For my monthly statement with the due date XXXX/XXXX/2016 ( XXXX XXXX through XXXX XXXX ), the new balance was {$3000.00}. However, Capital One then reported my balance being {$3100.00} without notice and added a {$59.00} membership fee also without notice, seemingly attempting to put my card greatly over the limit, which brought my credit score down from XXXX to XXXX within the FICO reporting months of XXXX 2016 to XXXX 2016. I have paid {$100.00} and the minimum was {$97.00}. These are unfair practices by Capital One. The should at least warn me when they will add a membership fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2016 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: XXXX sold my loans to AES. I have tried contacting them for months about making payments ( I ca n't log into the website ). They keep sending me bills each month with hundreds of dollars of accrued interest yet I am unable to make payments on their site. I 've payed thousands on the principle with XXXX yet the balance is higher then it was with XXXX, which makes no sense. I have never missed a payment, in fact I have paid YEARS ahead yet I owe more then the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (I do not know) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has called me XXXX times about a " debt '' that I owe, but will not tell me what this debt is from. I do not know of any outstanding debts that I have, and nor will they tell me what this debt is supposedly from. Were very threatening on the phone that they would continue to come after me. I asked them for verification that they were a true company and not a scam, because I do not give out financial information over the phone, and they would not give me a website or any other way to verify that they were real.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Wrong address on credit report. I have never lived in XXXX XXXX, KY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with KONDAUR CAPITAL CORPORATION (NY).
Issue: Closing on a mortgage

Complaint: My XXXX XXXX was sold, " all cash. '' sale. 
Closing was scheduled for XX/XX/XXXX. As of today, Wed. XX/XX/XXXX, we still have not closed. Not closed because XXXX XXXX XXXX has delayed providing the proper documentation necessary for the closing. In addition, Kondaur rep. has not responded to my attorney 's requests in a timely manner - My original mortgage/loan servicer was XXXX since XX/XX/XXXX.  Unfortunately, at the time of the sale of my co-op, XXXX sold my mortgage/loan. 

I am relocating to XXXX, Ohio. I would like to get there while my XXXX-year-old Mom is still on this earth.... 
This untimely delay has caused me additional unexpected financial problems, and much mental distress. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit bureau is reporting inaccurate information I have not entered into a contract with the accounts listed. 
XXXX acct # XXXX XXXX acc # 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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a telephone call from a XXXX XXXX XXXX representative in regards to XXXX credit card account : XXXX. I was asked by the representative did I apply for a XXXX credit card account. I informed the representative that I have never applied for a XXXX credit card account, someone stole my personal information and identity, applied for the XXXX credit card and has been impersonating me for years. I am a victim of identity theft and has been a victim of identity theft for 11 years. I have never ever applied for a XXXX credit card account. The XXXX credit card account : XXXX do n't belong to 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 11-08-2015 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: APR or interest rate

Complaint: I have a Chase British Airways XXXX card. I have always paid off the entire balance. APR is 15.24 % so I would never ever consider carrying a balance. The statement period that ended XXXX/XXXX/15 had a balance of {$20000.00}. I made total payments {$20000.00}, there was also a credit in the amount of {$16.00}. Thus the balance to be carried over to the next statement period was {$380.00}. My mistake but I figured that it would n't cost me much. I was quite surprised when I reviewed the XXXX/XXXX/15 statement -- interest in the amount of {$54.00} was charged. I discovered that Chase charged full interest on a balance of {$4200.00} that would appear during the next billing period. I think this is grossly unfair, My position is that I should pay interest only on the {$380.00} difference stated above. After reviewing complaints on your site I have learned that this is systematized. This makes Chase standout as a first class loan shark. I am questioning whether I should continue to do business with Chase. I hereby request that Chase refunds me the difference between {$54.00} and the approximate {$4.00} that I should have paid on a {$380.00} balance. This means a refund of {$49.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB, My name is XXXX XXXX XXXX I am the son of XXXX XXXX XXXX Deceased XXXX and XXXX XXXX XXXX deceased XXXX after my mother died in XXXX, I was getting letters from the Law Firm of XXXX and XXXX XXXX from XXXX, saying they were representing JP Morgan Chase Bank on about XXXX/XXXX/XXXX they filed foreclosure against me and I was illegally evicted and all my property was stolen and destroyed I am alledgeing that the note was paid off with a POD instrument that my dad had for me. They filed a foreclousure in XXXX XXXX Illinois case # is XXXX they had no standing to sue and then they illegally evicted me without a forcible and entry detainer lawsuit being filed. I know their was foul play going on. Can you please investigate for theft of my parents money and property and destruction of property XXXX XXXX XXXX I now live at XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
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 name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TXXXXX-XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit report I see that GM Financial has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: my information was used to purchase phones and a contract with my old address

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 09/16/2016 about Mortgage (Conventional fixed mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Credit decision / Underwriting

Complaint: In XXXX, I had a contractor come out to the house to give me a quote on fixing the roof. We had some damage to the ceiling, and wanted the roof fixed before having the interior fixed. After examining the roof, the contractor said we needed a whole new roof and recommended we file an insurance claim since the damage had caused by weather. I filed a claim with my insurance company, XXXX XXXX XXXX, and had the contractor schedule us for the new roof, since we did not want to take the chance of further damage to the interior. XXXX XXXX processed our claim quickly, dispatched an adjuster, and processed the claim. In the meantime, our contractor put on a new roof. When the claims check arrived, in addition to me, the check was also made out to XXXX XXXX XXXX and Huntington Mortgage, the lenders. I understand why they were included. XXXX XXXX XXXX was most gracious and was quickly able to arrange for endorsement of the check. Huntington, quite simple, is terrible. When I called, I was told they had MAIL me a packet of information that I had to complete, and that would take 7 days for me to receive. It actually took XXXX. What I received was a letter telling me they were n't going to pay for the roof ( WHAT? ) along with instructions to MAIL the insurance check, unendorsed, something else, and an affadavit that was supposed to be enclosed ( it was n't ). I immediate called them and, of course, got no one and had to leave a message. I 'm sure it will be next week if anyone returns my call at all. Surely, there must be, if not a law at least a rule against a bank holding my claims check hostage?

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet XXXX and XXXX XXXX are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet XXXX XXXX is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation