milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a Navient student loan in repayment and I was trying to pay off the remaining balance of my loan. I had researched on their website that a credit card payment can be made for the amount due over the phone. I always pay more than the amount due, and was planning on paying off the loan with my no interest credit card. I called customer service and they explained I can only make the minimum payment with a credit card, nothing more. I explained this does n't make sense. I can pay every month with a credit card but can not pay off the loan? What kind of policy is that? They would rather charge me their interest every month, where I can still use my credit card to make the payments, rather than pay them all their money at once. That is bad business and nickel & dimeing the consumer. They tried to tell me it was because that a credit card is another form of debt, but if I can make monthly payments with that very same credit card, please explain the difference?

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Reviewing my report and noted a inquiry that is not mine. I have not inquired about any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: I want to file a formal complaint against XXXX XXXX of Wells Fargo. She pulled my credit with out my permission, denied me a loan based on credit when I was told she could get me a refinance loan WITHOUT pulling my credit and continues to send me boat loads of emails and documents to this day even though I was denied a loan after my credit was pulled without my permission. 

How do I file this complaint and seek legal representation for unjustice.

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 11-12-2015 about Debt collection (Payday loan) with High Point Asset Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call at my work number with an ominous sounding message containing XXXX legal language. Since I ca n't take personal calls at work, I waited until I got home to call the number back. I found out that this company also contacted XXXX my relatives. 

When i called the number back, XXXX verified the last XXXX digits of my SSN, had my address, but had an incorrect e-mail address. He gave me some spiel about XXXX loans that I owed, but could not provide me concrete information on who originally made the loan to me, when the loan was made, and basically any information to verify what the debt was. I have no idea what his call was about. Further, I asked if his company was licensed to collect debts and he said he did n't know. I asked for the address and he was originally evavise but provided me a XXXX. XXXX. I instructed him not to call my work or my relatives, and when I attempted to provide him the best number to contact me he said he did n't want it. He 's trying to scare me into paying something that he has no idea what it is and ca n't prove that I am legally obligated to pay. I want his company to never contact me, my work, or my relatives again.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting numerous inaccurate names and an irroneous BK on my credit report. My numerous attempts to have them remove it went ignored and experian told me to contact the furnisher the courthouse- who in turn responded in writing stating they do NOT reporting this information to any of the bureaus. So statement by experian is a LIE! I have then supplied proof from public search showing NON existance and NON accuracy of this account to experian who again ignored my request for deletion and I kept getting this -we will not reinvestigate your issue because we already resolved this- auto generated responces. this is rediculos and should not be tolerated The law states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

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 07/27/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My car was stolen and some one stole my information to obtain credit. I received bills that did not belong to me.I pulled my credit report and there are accounts that are not mines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was a student at XXXX XXXX in 2009, I was never informed that I would have to begin paying back the loan to Peaks if I stopped attending XXXX. After graduation I was unemployed so I exhausted my deferment, after that I used their other program where I was only paying towards the interest rate of the loan. I began attending the university XXXX and let them know I was in school so that I could get an in school deferment ; they then stated they did n't have that option since I was n't attending XXXX. I have been struggling to pay back the loans but I have been making the payments for the past 3 years without ever being late. I am now filing for bankruptcy chapter XXXX and also going to be starting my XXXX XX/XX/XXXX. On the website they have an in school forbearance form but when I call to let them know I 'm going to start school they say I 'm not eligible for it which makes no sense. when I ask them why they are n't able to give me a legit reason why I cant sign up for it. There were many times where I called to let them know I was still in school and was struggling to make ends meet but they basically closed the door in my face every time I 'd call. I 'm an expecting mom and in the process of moving out of my parents house, I make less than XXXX dollars every two weeks and have other bills I have to pay. once I start paying back my student loan I only have about XXXX dollars to survive because I have car, insurance and medical bills as well. Someone please help me. Peaks Loan is a Fraud and XXXX misleads their students into getting into debt and fail to explain the fine print on their loan services.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Application, originator, mortgage broker

Complaint: Bank of America , National Association Successor by Merger to BAC Home Loans Servicing FKA Countrywide Home Loans Servicing, LP ( " Bank of America '' ) has never prepared for the last XXXX years in recordable form an assignment of the mortgage from Bank of America to XXXX trade name XXXX ( " XXXX '' ) in the XXXX, State of Hawai'i, yet has, and continues to convey in all of Bank of America 's letters, court documents, notices, motions, and correspondents for countless years that Bank of America is the debt collector, the servicer, the investor, the creditor, the mortgagee, the lender, the note holder simultaneously for many, many years, but has never prepared in recordable form an assignment of mortgage from Bank of America to XXXX in the XXXX, State of Hawai'i for XXXX years. 
Go to Attachment. 
It is obviously to late now for Bank of America to address, cure, and remedy this XXXX that 's spread for the last XXXX years! 
There is also years, and years of tangible facts, and substantial evidence these countless fraudulent, and sick deceptive practices continues to plague the land records of every Municipality/County, State, and the United States of America.

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 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed several paid, closed student loan accounts a number of times as having incorrect data listed. Each time, Experian has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years. 

There are XXXX collection accounts listing a " collection '' as the only status in XX/XX/XXXX. XXXX of the loans were paid in full in a previous consolidation with XXXX in XX/XX/XXXX. There is also a loan listed that was never dispersed. The XXXX remaining entries are repeated multiple times for XXXX loans that historically existed, however ALL of the listings state that the tradelines were inserted in XX/XX/XXXX - the month that the defaulted loans were paid. I disputed these in XX/XX/XXXX, again in XX/XX/XXXX, and again in XX/XX/XXXX, and again in XX/XX/XXXX. Experian has refused to investigate this with due diligence, otherwise they would have discovered these errors. Experian also refused to listen to me when I told them it was inaccurate and demanded proof that they investigated it under the requirements of the FCRA.

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 11/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing LLC continues to threaten additional servicing fees for the purpose of adding insurance I already have. On XXXX/XXXX/15 I sent the first Qualified Written Request under RESPA answering their requests for insurance dated XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15. Required documents were submitted but I never received 60 day response ( nor acknowledgement ). On XXXX/XXXX/15 I sent another Qualified Written Request under RESPA in response to Ocwen 's revived demand for insurance dated XXXX/XXXX/15. All requested documents were sent again. Now in a letter dated XXXX/XXXX/15, Ocwen threatens to tag on an additional {$620.00} yearly to servicing fees for insurance I already have. They claim they do not have evidence of insurance coverage, even though I sent it multiple times to their designated fax number ( XXXX ) XXXX. My transmittal confirmation sheets show their receipt. The internet is full of consumer complaints about Ocwen, suggesting habit and custom on the part of Ocwen 's ongoing servicing violations.

Company response to consumer: Closed
Consumer complaint received 08/16/2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: The Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), and also The Federal Trade commission states payment must be credited the date it was received. I filed a complaint with Ocwen Mortgage company by phone and they replied XXXX XXXX, 2016. They stand firm with processing the XXXX XXXX Payment the following day instead of the day received. This violates Fair Reporting practices and Loan servicing rule. Any assistance you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Payoff process

Complaint: I used Care Credit in XX/XX/XXXX and charged {$1400.00} on the card which was under promotional for a year. I paid most of it off and had a balance of {$490.00} in XXXX the month before the promotional offier was up. It also states that my deferred interest charge if not paid by XX/XX/XXXX I then needed to get dental XXXX again XX/XX/XXXX and had to charge {$2000.00}. It seems as though they added all of the interest going back to my XXXX XXXX promotional offer. As of today my balance is {$2300.00} They have been putting money toward my XXXX promotional offer and my balance for that is now {$1700.00}. I made a payment for {$1500.00} today. I was not aware that I had to request the payments to go toward the old balance that incurred the interest rate of 26.99 %. I had known this before I would have called and requested my payments to go toward the other balance with the high interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Struggling to pay mortgage

Complaint: My wife had a XXXX back at end of XXXX and has finally returned to work full time at end of XXXX. I reached out to XXXX and asked about assistance with out payments and tried to work out something since we fell behind from XXXX to XXXX - due to wifes medical problems. 

I submitted all of the docs required by XXXX and they reviewed the account. They sent me multiple payment plans to try to get caught up. However, my normal payment is XXXX. They new payments proposed by XXXX were over {$1900.00}. If I was having an issue paying XXXX how can I afford over XXXX. 

I had asked about even doing a interest only payment for a few months and they denied this as well. 

I was asked on XXXX to resubmit new docs for assistance. I have submitted these docs 3 times over the last 3 months. 

I need help to get caught up. I would like to pay interest only for 3-4 months starting in XXXX or would like to have the missed payments added to the end of my loan and start paying the XXXX beginning in XXXX or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (NV).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2008 when I bought my house that was listed for {$190000.00} the bank told my real estate agent that in order for me to secure the house I will have to over bid and offer {$210000.00}, the bank mislead me to offer {$18000.00} over the listed price, when home prices were actually dropping and no raising, and the bank knowing this approved the loan, after about 4 years my home value went down all the way to about {$130000.00}, at the time when the economy was really bad my employer changed my salary status from {$XXXX} yearly to {$XXXX} hourly. I took about 35 % pay cut and I was struggling making my mortgage payments so I was forced to ask the bank to help me to modified my home loan to avoid loosing my house, after months of fighting with the bank they approved a loan modification, but what they did, they added around {$12000.00} to my loan debt, they gave me 4.5 interest rate and they reset my loan to 30 years again ... 
Right now after 7 years been paying my mortgage, my loan balance is {$200000.00} and my home value now is around {$180000.00}, I pay over {$100000.00} towards my house and my mortgage balance still {$200000.00} how is that possible? .... 
At work now after all the salary cut I took, they cut my hours as well and over time is out of the question anymore, so I been struggling paying my mortgage for the last 2 years, I used all my savings, and I been living in credit in order to be able to pay my mortgage, but I came to appoint where I do n't have more savings or credit available or unused credit in order to continue paying my mortgage, I contact my bank for help but as always, they just keep me running in circles, requesting the same information XXXX of times and loosing papers time after time without a concrete answer to solve or help me to keep my house ... 
I believe I was a victim of predatory lending, no just XXXX but XXXX times already with the same bank, and after all the money that the government gave to the banks to help people like me that is in trouble paying predatory mortgages, the only thing that in this case my bank does is profit more ... 
That 's why im requesting an investigation from your agency and review my loan and the modification that they did and why my balance still so hight and why the bank is giving me a hard time to do a real loan modification when a person like me really needs it and refuse to do it when I qualified for XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After reviewing a copy of my credit report, I noticed a collection five accounts placed on my credit report from CMRE. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Making/receiving payments, sending money

Complaint: I was in XXXX which I have easily proven - it caused me to fall behind on my accounts. My credit card and ck-ing account were tapped out ; yet, I kept up my payments like clock work. When I mailed a postal money order to my local branch, they much later informed me that their post office box was robbed. Leaving me out $ XXXX, which would have made me in the positive with the ch-ing account and a credit card payment made. I went around in circles with them and the post office over the matter. The post office gave me a form that both me and the bank were supposed to sign in order for the post office to refund the money to me. They apparently refused to corroborate. I can not afford any more games or time in this matter. I will, at this time, submit proving I bought and payed for a money with the banks information placed in the right place and mailed to them in a timely fashion. I 'll also leave my contact information looking forward to hearing from someone soon. I have been a member of this bank before they bought out the other credit union they replaced. The bank is Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX basic number is ( XXXX ) XXXX. The lady who did me dirty is called XXXX. I live at XXXX XXXX XXXX XXXX Ca. XXXX, and my phone number is XXXX XXXX XXXX XXXX. My e-mail is XXXXXXXXXXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (MS).
Issue: Trouble during payment process

Complaint: I refinanced my VA home loan with XXXX XXXX XXXX. My home loan was with 360 Mortgage, I closed on my refinance on XXXX XXXX, 2017 with XXXX XXXX XXXX. The loan funded the next day on the XXXX. 360 Mortage dispersed my escrow funds out to the county tax collector that day after I requested my escrow funds be refunded to me which are entitled to me by the Real Estate Settlement Procedures Act governs the administration of escrow accounts. RESPA is part of the United States Code of Federal Regulations and gives specific guidelines regarding any escrow overage or shortage amounts. The law mandates that escrow amounts in excess of legal requirements refund to the homeowner.This is a deceptive business practice.

Company response to consumer: Closed with explanation