milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Credit card () with U.S. BANCORP (NC).
Issue: Forbearance / Workout plans

Complaint: the truth in detail is this. i enrolled in a debt settlement plan to settle with XXXX creditors. only XXXX is giving me trouble. that XXXX is us bank. as soon as enrolling i mailed them copies of my XXXX award notice. i was considered XXXX as of XXXX XXXX, XXXX im already over XXXX and will not be returning to work. i am XXXX per my primary caretaker and ssa. my income of course has taken a hit. im single and ssi is my ONLY income. no XXXX no savings no XXXX income because im not married or even living with anyone. i have no children but its still nearly impossible to even get buy. after mailing in a XXXX x XXXX envelope the whole story to us bank, they said we understand your situation but you are not qualified for a hardship right now. what?? who could be more qualified. my XXXX letter to them was a cease and desist letter. they wrote back saying they would not call but would still right. NO, NO, NO. they were entitled to send XXXX letter saying they received the cease and desist letter. however after the XXXX letter no XXXX creditor or otherwise can contact you in any way. i responded back telling them that if they even sent anything to my mailbox ever again it was a minimum of a XXXX dollar fine. heres the deal. im 100 % judgment proof. XXXX gives me a XXXX property exemption. well i dont own that much property and my ssi payments are 100 % garnish proof. so i tell them i could just not pay anything but being honest i wanted to pay them something instead of nothing. thats why i did the debt settlement program which will be XXXX more payments. so today in the mail XXXX XXXX, 2016 i get more mail from them. that breaks the cease and desist violations. i want and demand justice.

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 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Transunion is the only credit reporting agency that is requesting proof of my current mailing address in order to put a fraud alert on my account. They have historically had wildly incorrect information on my account ( that is different from the XXXX other agencies ) and I could never get them to respond appropriately or resolve after providing proof. Now they are mailing a notice to a mailing address I have been at for 15 years asking for me to prove it is my current address every 90 days when every other agency is renewing a fraud alert on my account that I requested. I refuse to send additional info to the only agency that ca n't keep proper records from the start like the other agencies do and this is irritating that they wo n't put a fraud alert on my account at my request when I had fraud activity on my verizon account that indicated my ssn was compromised. My address has n't changed in 15 years and they are n't sure what it is?? Please do something about credit reporting agencies that forces them to keep proper records, handle requests appropriately and take fraud alert requests seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For the last 3 and a half years ECMC has been taking payments out of my check every two weeks. Before I left my employer I was told that I owed around 2-3 thousand on it and that it would be done. However,  my credit report still shows that no payments have ever been paid at all. I have been dealing with them for around ten years now. Here I thought I was at the end of this and it shows that nothing has ever been paid. I feel like with payments over the years and payments from my checks that I have paid this loan back several times over. I am sure I can get my financial statements from my old employer showing all the payments that have been paid, but when I speak to them they are hateful and rude and make threats. I am a single mother of XXXX children. I am wanting to buy a house but can not do so because of this company. I don't understand how they can do this to people. I agree I proba ly still owe 1500 to 2000 and would not mind paying it if I knew for sure that it would help. I just want to be able to give my kids a home and provide for them and feel like I cant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I want to dispute a collection posted in my credit report from XXXXI had an account with XXXX until XXXX XXXX on that date closed the account but they said it was an outstanding balance. I did not agree with the that but XXXX started calling me every day and send me letters and finally they sent the information to credit bureau. when I saw this I decided to pay that amount so in XX/XX/XXXX I made two payments, the first for XXXX usd made by my credit card XXXX XXXX, the second for XXXX usd made using my debit card XXXX XXXX XXXX. Despite having paid comcast he continued calling me and sending me letters demanding payment. In XX/XX/XXXX I made a dispute and they temporarily removed the information from my credit report. Later I received a phone call from an agent telling me that XXXX was not able to find the payments so I send them the statements of XXXX transactions. This month comcast appeared again reported the debt to the credit bureaus even when I sent my payments proof. I would like to know where are the payments that I made. Even if I paid again what security i have that the same will not happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX  have a collection on my credit report for a total of {$1600.00}. They have  n't ve rified that was my debt. During that time of collection I was n't even legal age to work with  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I opened a Home Equity Line of Credit in 2005 with Wells Fargo Bank. This is the bank we have our mortgage, checking accounts ( personal & business ) and saving accounts. Upon opening this account, we knew it was a variable interest account, we stated we wanted the payments to be withdrawn from the business account, and signed a form asking Wells Fargo to take out up to $ XXXX/month applying the appropriate amount to the interest & the balance to the principal. Advancing 10 years, we NEVER thought we would use the entire amount, however, we needed the money to keep our small manufacturing business open. XX/XX/XXXX, we started getting letters from Wells Fargo about the Equity Line of Credit " Pay Back ''. Quite frankly, since we felt we had been paying it back ( a little at a time ) we ignored the letters a bit. We were very shocked to find for the passed 10 years we have paying INTEREST ONLY on this XXXX loan. Wells Fargo denies ever seeing the form, and says we agreed to the interest to the interest only terms. We trusted our bank when we made the initial agreement that they would honor the initial terms, and would n't change them. We would never agree to an Interest Only Loan, even though times were tough. To make matters worse, we are in the same situation as every other home owner in California. In 2005 Wells Fargo stated our home was worth {$800000.00} ( however we did not have an appraisal ), and later we were called and asked if we wanted to take more out on our home equity line? Fortunately, we did not! Ten years later, my husband and I are in XXXX. old, and owe {$400000.00} on our home that we have lived in for 25 years!! We feel as if Wells Fargo pulled a fast one on us while we were struggling to keep our small business going, pay for our XXXX daughter and her medical bills, plus help our son with college debt. This is just a nightmare. I do n't know where to turn, and do n't know if it is that we were just too overwrought with stress to not read the contract correctly, or if Wells Fargo is somewhat responsible. We have tried to work with them for the passed 6 months, however it got to the point that not paying the extra $ XXXX/month they were requiring was going to ruin our credit. I just feel they should forgive some of the debt since they have enjoyed 10 years of interest only payments with no money going toward paying down the interest. If they had honored the original agreement we would owe about {$80000.00} less. Is there anything we can do about this situation?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan modification,collection,foreclosure

Complaint: 1. Purchased home in XXXX XXXX. Ajustable Rate Loan with Countrywide Mortgage. 2years fixed then adjust 2. Tried to refinance around XXXX XXXX 3. Could not afford to refinance due to ridiculous terms 4. XXXX XXXX, 1st and 2nd mortgages more than doubled. Could not afford payments due to bad economy 5. Made no more payments after XXXX XXXX 6. The loans were transferred from one company to another for 3 years. Band of America eventually supposedly had loans. They finally foreclosed on our loans in XXXX XXXX. We went to hearing and asked for original note. They did not have it. Told us to go back for a second hearing the next week which we could not attend due to work. They foreclosed. Bank of America used XXXX to foreclose on our home. SC is a judigital state. They illegally foreclosed our our home. They could not produce original note at 1st hearing. The judge allowed the foreclosure to go through anyway. 
7. We tried to contact a lawyer to handle this and have been unsuccessful in acquiring one because every lawyer we speak with wants us to refinance. We absolutely REFUSE to refinance because everything with this home was done illegal. If we as consumers would have committed fraud, we would be in jail! 
8. Our loans are now with XXXX. They keep sending us bills. I have recently found out that we are still owners of the home. We could move back in if we wanted to. But we are in limbo concerning this home. I found out it is what the legal system is calling a zombie house. The bank can not legally sell it or do anything with it, but neither can we. We can move back in, live in it for the rest of our lives but we can never sell it or leave it to our children. 
8. The only info concerning this home on our credit reports are where Bank of America has transferred the loans. Doesnt say to what company or anything? It is derogatory on our credit reports. No other information is available. 
9. We need to know what to do with this home due to Bank of America 's illegal foreclosure? And we want it removed off our credit reports. 
I hope this is the right place to help us take care of this situation? 
XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit card () with Synovus Bank (MI).
Issue: Credit determination

Complaint: I paid my credit card bill on time and it is showing that I am 60 days past due causing my score to plummet XXXX points on Equifax. Please update as this is negatively impacting my credit. I even have paid a premium using XXXX XXXX to pay or check by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Medical) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX. I was seen by a XXXX XXXX on two ( 2 ) occasions. XX/XX/XXXX & XX/XX/XXXX. I received a call from Allied Collection, stating I have a debt from such named doctor. I was n't made aware of a debt until now, on XX/XX/XXXX. I then contacted the office of XXXX XXXX. Where then I spoke to settle the matter. She was NOT helpful ... .RUDE. I was n't trying to get out from paying what I owe. I just was n't informed or contacted. Which having the same number for over ten ( 10 ) years & residing at the same address since XX/XX/XXXX. Again I do n't believe this action of fees is fair because I was n't contacted, then the time I was contacted and who I was contacted by 3 3/4 years later. Is their a " statute of limitations ''.

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
Consumer complaint received 06/20/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting daily calls between XXXX-XXXX including weekends from a Midland Credit Management calling XXXX leaving messages looking for a XXXX or a XXXX, depending on the accent of the caller. They started calling me about two weeks ago. I have had this home phone number for nearly four years, and no one even close to that name has lived here.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have entered into a income based loan forgiveness program with XXXX XXXX XXXX and noticed Navient myself and through the company. Since then I have gotten conflicting emails telling me different things such as I filed for forbearance ( which I did not ) and then a day later that my payments would resume. I also stopped payments with them and my bank for autodraft. Twice they have changed the way they bill the account in order to obtain their money and I have had to file a fradulent activities note on my account in order to get my money back. At this point this is fraud and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have had multiple issues with  XXXX /Navient as my loan processor.     First, here is some older issues I have had where I do not have much documentation of : I requested to have my loan taken off of any extended or reduced payment plans, and my monthly payment increased to approximately {$400.00}. Around 2 years later my payment jumped to approximately {$800.00}. When I contacted Navient to understand why I was told that it was because I was in a extended repayment plan which was never removed.     After this fiasco which likely has cost me thousands of dollars : I began making the payments of {$800.00} and have recently started paying extra into my loans in a desperate attempt to no longer have to deal with Navient.     I have ma de 10+ calls to Navient in the l ast 30 days. Each extra payment made on the website was incorrectly applied.       XX/XX/XXXX  - - Payment made in the amount of {$200.00}. The payment was split between  2 loans instead of going directly to loan  XXXX . I contacted Navient who apologized and correctly applied the fu nds.       XX/XX/XXXX  -- P ayment made in the amount of {$50.00}. The payment was split betwee n 3 loans i nstead of going directly to loan  XXXX . I contacted Navient who apologized and correctly applied the funds.       XX/XX/XXXX  -- Payment made in the amount of {$580.00}. The payment was split between all of my loans instead of  going directly to loan  XXXX  to pay off the remaining balance. The loan balance ended up being {$22.00}. I contacted Navient who apologized and correctly applied the funds and marked the loan as {$0.00}. I also requested that the minimum monthly payment amount of  XXXX  be added to the auto-pay amount of  XXXX . This was not correctly applied.       XX/XX/XXXX   -- The new auto pay amount was set to {$130.00} instead of {$150.00}. The customer service and supervisor were unable to explain to me why. The minimum/auto pay amount changed from {$800.00} to {$830.00}. The supervisor did not have access to view any reason for the {$30.00} increase. They sent a request to th e " Research '' group  with a turn around time  of 7 to 14 bus iness days. The " research '' group will not contact you back via phone with they are able to identify exactly where the {$30.00} increase came from. The supervisor refused to give me any tracking or identifying number for the interaction and request. I was told to call back to check on the status of the " research '' groups findings.     My call o n  XX/XX/XXXX  e nded with : " You have my word sir that I will send in a detailed request ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please remove this debt from my credit report. It 's not mine at all. It belongs to a relative not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I called customer service of my AT & T Universal Card, administrated by Citibank, because of late charge that was assessed on my account. I mailed my full payment of about {$78.00} a week in advance but because, I suppose, of XX/XX/XXXX holiday, it was processed the next day after due date. I was assessed a {$25.00} late fee and an interest on that {$78.00} balance. 

Yesterday, when I called I was placed on hold for about an hour or so, and then I gave up. 

Today, all their listed numbers for my credit card has a broken automated system that eveybody has to go through before being connected to a human. I tried them several time and they all promptly switched me to Spanish, that I do n't understand, and they hanged up. When I tried the general number listed for Citibank cards services, they made me listen for about five minutes of their irritating advertisements and then transfered me to a subscription line for a service I did n't want from which I could not back out. 

This was not the first time I had this kind of problem with Citibank. 

Altogether, I wasted over an hour without having a chance tomdispute my problem with someone.

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 monetary relief
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with North American Credit Services (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a multitude of calls for a XXXX XXXX. I have had this number for over XXXX years. There is a large XXXX XXXX here and I looked up her former addresses and she has lived in XXXX XXXX, XXXX and XXXX XXXX, XXXX. They have called XXXX times today and XXXX times since XXXX XXXX. Usually XXXX times a day, XXXX a week. Most collection agencies do n't call so much. I have the number blocked. According to XXXX these people are very rude.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I made an extra payment to my mortgage servicer, Green Tree Servicing, on XXXX/XXXX/15. Green Tree applied the correct amount to my current payment, but they did not apply the extra amount, totaling {$360.00}, to reducing the principal. They are essentially sitting on the money, doing nothing with it. I submitted an online inquiry to Green Tree, but only received an automated reply stating that they would get back to me within XXXX days. I also called Green Tree 's customer help line today. I explained the situation to the operator, and she assured me that she would have the {$360.00} applied to reducing the principal. However upon checking the account online this evening, I see that nothing has changed. 

Note that Green Tree 's web site states : " You have two ways to pay additional toward your principal. One, you can choose biweekly payments to pay down your home loan faster. XXXX, even if you choose monthly payments, you can pay extra any month. If we receive a payment larger than the amount due, we apply the additional amount first to any outstanding fees and then to your principal balance. '' However, the operator I spoke with today stated that Green Tree does NOT automatically apply extra funds to reducing principal. 

I see that CFPB and the FTC have fined Green Tree for illegal and unethical practices XXXX. Green Tree acquired my mortgage, which is in good standing with zero late payments in its XXXX year life, from a reputable lender. Green Tree has been difficult to deal with from Day 1. I urge the CFPB and FTC to use your power to steer other lenders, as well as XXXX XXXX and XXXX, away from doing business with this shady operation ( pun intended ). 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation