milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was attending XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I read about the school closing so I withdrew on XXXX/XXXX/2014. My Federal Loans are qualified to be discharges since I withdrew after XXXX XXXX, 2014 but I still have {$9200.00} in private loans to pay off. My private loans were from XXXX XXXX but they transferred my loans over to University Accounting Service , LLC . I would like to know if there 's anything possible I can do to relief my loans or some of my loans. I was able to transfer some credits out but not all. I was not able to continue my XXXX program so I am currently in a different program. If someone can please help with this situation, I would be very grateful since I could not get any information on private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with Automotive Credit Corporation (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: equifaxXXXX XXXX XXXXstatus showing collection/charge off ( should be unknown ) remarks should show account included in chapter XXXX bankruptcy filed XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a Condo in XX/XX/XXXX for {$380000.00}. I received a {$360000.00} mortgage through Wells Fargo Home Mortgage and have been paying {$170.00} per month in private mortgage insurance, XXXX XXXX XXXX XXXX. In XXXX, I requested Wells Fargo provide me information on how I can get rid of the monthly PMI charges. I received the attached letter dated XX/XX/XXXX from Wells Fargo Home Mortgage, Subject : Private mortgage insurance ( PMI ) cancellation requirements. The letter indicated that " To cancel PMI based on the original value, you must reach the required loan-to-value ( LTV ) ratio using XXXX of the options listed below. '' Under Option XXXX, Wells Fargo indicated that I must prove that the original LTV ratio has reached 80 % by having an appraisal done, at my expense, through their vendor, XXXX. In XX/XX/XXXX, XXXX appraised the value of the condo to be {$450000.00} and calculated the new LTV ( {$350000.00} loan principle divided by {$450000.00} current appraised value ) ratio to be 78 %, but Wells Fargo refuses to remove PMI. After following Wells Fargo 's instructions on canceling PMI based on an appraisal showing an increase in the original value of my property, they insist that they will ONLY remove PMI AFTER I provide RECEIPTS showing that I made {$63000.00} in STRUCTURAL improvements, specifically " adding a deck, garage, in-ground pool, fence, in-ground sprinklers, finishing a basement, or remodeling living space '' to the CONDO. Even though Wells Fargo employees agree that owners of Condos can not make these types of structural improvements, they continue to insist that I must show paid {$63000.00} for structural improvements before they will remove PMI. 
They have been dragging their feet on resolving this matter since XXXX XXXX, even after I followed their instructions and proved that the ORIGINAL LTV of the condo has reached 80 % or better, in my case 78 %. They continue to twist and ignore the fact that that I am canceling PMI based on an increase in the " ORIGINAL '' value of the property as they described in their XX/XX/XXXX and NOT based on the " current value and investor requirements. '' I 've learned that XXXX XXXX XXXX XXXX which is listed as the company receiving the additional, unnecessary {$170.00} in PMI funds I am paying on a monthly basis, is affiliated with Wells Fargo, so of course the company wo n't remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I filed Bankruptcy XX/XX/XXXX and did not include in mybankruptcy filing my security interest in XXXX XXXX XXXX AL XXXX as I was not the debtor on this loan. Irecently received notices from Regions Bank that they wereseeking an automatic stay and co-debtor stay on XX/XX/XXXX. Motion was granted and I was ordered to pay attorney feefees in the amount of {$420.00}. I am asking the CFPB tointercede in this request for fees due to the following:1. I was never a co-debtor. I did not sign the promissory note. 
The note was signed by XXXX XXXX XXXX in her name alone. Iam not responsible for this debt and any fees arising fromactions on this debt, the debtor is responsible. 
2. I did sign the mortgage along with my brothers accordingto the requirements of Regulation Z acknowledging myinterest in the security and my right of rescission. 
3. Since I did not sign the promissory note, only XXXX is responsible for all debts arising from thelegal actions pertaining to this loan 's default and Regionsshould pursue her not me for any default/attorney feeson this loan. 
4. I have not assumed or refinanced this loan in my name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have had so many issues with Wells Fargo private student loans. I have been making payments and even paid well over my monthly amount to take care of the outstanding late payments. Every single month the amount has consistently been increasing and not decreasing despite my attempts to pay it off and work with the company. They harasse me none stop. I was asked to provide a break down of all payments made along with any fees assessed so that I could take a look at where this is all coming from and I have yet to receive that information. I know for a fact that I called and set up payment and not only was the payment not taken out I was given a late fee and hit on my credit report. This is ridiculous. How long is the Finacial governing agency going to let banks get away with this type of robbery? This has caused me physical and emotional distress. I think any student that took out private student loans should be able to convert them into federal student loans. Wells Fargo continues to rob the people who choose to given them their business. The CEO is a cockroach and when you find one in the kitchen there are many many many more. I urge you to help students who went to school to make there lives better, remedy what is happening. This is exactly what happened with the housing crisis except with student loans. We need relief from this the same way people were able to get realif from the  housing crash. Im sick of being constantly robbed and loving pay check to pay check trying to pay amounts that arent justified.

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 11/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My name is XXXX XXXX and I am extremely frustrated that I was not able to process a dispute with Transunion, which was received by them on XX/XX/2015 via certified mail return receipt requested. I simply received a heavily worded letter from them denying me an investigation, claiming that my verification provided was not sufficient. I am afraid that they are stalling me and deliberately ignoring my request for an investigation into an expunged civil claim. 
I had provived vey sufficient and actually excessive amount of verification and they claim that I am not who I am and therefore they will not process anything from until i forfeit more proof or documentation. 
First I would like to clarify that I have ALEADY provided them with1. Drivers License and State Identification2. My Social Security number and a copy of my SSCard3. A certified Letter costing me over {$7.00}! 
4. A signed letter from My address and residence. 

They are violating me and pushing me around by requested personal information and documentation that is overly suspspcious and not safe to send via mail. I have had cases of IDENTIFTY Theft and ban fraud committed against me and I am very weary of sending anything above and beyond expected. 
I think that my documentation was extremely sufficient and in actuality this company is avoiding me, hurting me, and accusing me of not being me. They are using such tactics a lot against consumers an that is not fair. Who else would I be? How dare they deny me after EVERYTHING I supplied on my behalf. They are being very sneaky and un productive and clearly they are choosing to ignore my issue. 

I sent this letter via certified mail and they received it on XX/XX/2015- Transunion has until XX/XX/2015 to delete this invalid Public Record Item from my credit Report or I will Purseu Litigation against them in the small claims court. I ahv XXXX consulted with an attorney at their mishandling of my dispute an their refusal to acknowledge perfectly sufficient and perfectly legible verification documents. 

I wonder what you have done with my information. Have you shredded it or kept it in archive? Because if you claim that i have not provided enough proof then I am certain you have mishandled my letter and my documents. If you can not produce these items in a court of law It will be very obvious to me who is lying here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax suffered a security breach that was announced over the past few days. They did n't contact me or let me know that my information was compromised. Their executives sold over {$1.00} million worth of their stock BEFORE announcing the security breach. I had to receive an email from my password manager ( that was n't affected or harmed at all by this security breach ) directing me to a site managed by Equifax to see if my information ( social security number, etc. ) was compromised. Turns out it was. I now have to spend time going over securing my credit, putting freezes on my account, and closely monitoring my credit in the unforeseeable future because my SSN is not going to change and is now out there in XXXX knows whose hands.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a loan through the Department of Education, third party Nelnet, that I am in the process of repaying. In the fall of 2015, I had some trouble repaying my loans, which resulted in four missed payments on my account. I pay ONE bill to Nelnet, with no option to allocate the payment. I have four student loan disbursements, but I was under the impression they were consolidated - especially since I only have the option to pay one bill. However, the company reported my missed payments to the credit bureaus as 16 missed payments ( 4 missed payments for each of the 4 accounts ). This has greatly impacted my credit score, and is keeping me from being able to move forward with purchasing a home. I have contacted the agency and have been told that because I was not in the military at the time of the missed payments, there is nothing they can do. My problem is the duplicate missed payments. It doesn't seem right that if I do not have the option to pay the accounts separately that they can penalize me separately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Since XXXX over and over and over at huge expense have sent proof that XXXX XXXX is gone, forever! Despite receiving the XXXX of XXXX letters, still they put XXXX XXXX on and the XXXX XXXX XXXX for the same exact student loans. XXXX XXXX IS GONE FROM MY LIFE FOREVER, THEY SHOULD NOT BE IN ANY WAY ON ANY OF MY CREDIT REPORTS. Instead it continues to say something like " transferred to another office. '' We all know XXXX XXXX in bed with XXXX XXXX but THEY ARE NOT ANOTHER OFFICE OF THEM. XXXX of XXXX owns the loans, they are XXXX, and they are closed. The only thing that should be on my credit reports is the XXXX of XXXX, period. and they are all XXXX, and they are all closed. XXXX of XXXX said XXXX XXXX would be off last XXXX XX/XX/2014 but there they still are on all my credit reports, like I have XXXX student loans. They are duplicated on every credit report. In addition, always in deferment yet on purpose XXXX XXXX has put " late payments '' AS IF! all gone! ALWAYS GONE! We all know what crooks XXXX XXXX is and I am sick of this when THEY ARE GONE FROM MY LIFE FOREVER. GET THEM OFF ALL OF MY CREDIT REPORTS AS XXXX SAID THEY WOULD BE BY XXXX XX/XX/2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Credit Systems, L.P. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: {$600.00} Keep disputing I been disputing this since  2016

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with Opportunity Financial, LLC (TX).
Issue: Getting the loan

Complaint: This company wanted my bank acct. Info before loan amount or fees were discussed. They stated they were in good standing with the XXXX. Ok i put in my bank info.They approved me for XXXX. The last step said they needed to verify my bank account. They wanted my online banking login info. To make things worse the terms and conditions state all submitted info is property of opp loans.That is a huge red flag and they have my bank info now. There are ways to verify correct bank info. This should be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 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: Account status incorrect

Complaint: Account has been open since XX/XX/XXXX. Account started reporting to all 3 credit bureaus as being closed 2 months after XX/XX/XXXXwhen my checking account had Charged Off because of a negative balance. My credit card was placed on a block until my Charge Off was paid for the checking account. My credit score went from XXXX to XXXX due to this matter at that time. They stop reporting that my account was open and as well they had taken away XX/XX/XXXX & XX/XX/XXXX months of payment history from my credit reports then later put the information back on my credit report which was at least 6 months later when the Charge Off was paid. I regularly made payments on the account even though my access to my credit card was blocked. They kept stating that my account was still open and it should n't be reporting as closed, but someone within the financial institution was giving bad information to all 3 credit bureaus.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: WITHDRAWAL OF FEDERAL LIEN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon checking my XXXX credit report I noticed that Medical Data systems reinserted an account on my report that was removed in XX/XX/XXXX.  I never received any documentation about this debt. I have never done any business with this company.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, while I was in a natural disaster forbearance period with US Bank Mortgage, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called US Bank once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. US Bank finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but XXXX refused based upon the existing letter. I spoke to several representatives from both XXXX and US Bank to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.

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 12/14/2017 about Mortgage (Conventional home mortgage) with AMERISAVE MORTGAGE CORPORATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The day after XXXX XXXX, I was told by Amerisave loan officer, XXXX XXXX, that they needed my credit card information to " lock my mortgage rate ''. He stated the amount that would be on hold would be {$440.00} for the appraisal. On XXXX I gave verbal instructions to XXXX over the phone that I did not want an appraisal ordered until after I did my personal inspection and negotiated some repairs with the seller. XXXX confirmed by emailing my agent on XXXX and notifying her that I wanted to hold off on the appraisal. I again reiterated my request to XXXX by email on XXXX. 
On XXXX XXXX, I received an email that I had been charged for the appraisal. XXXX told me that the realty agent told him to order the appraisal. I immediately disputed this as Amerisave was the custodian of my credit card information and I gave them clear instructions not to order an appraisal until I personally inspected the property. Amerisave acts as a middle man as the agent must order the appraisal from the appraisal mgmt company. No matter what they were told by a realty agent, my word as the borrower takes precedence, and Amerisave made a poor decision in overriding the borrower 's request by taking direction from a sales agent whose interest is to sell. Amerisave had no right to release my credit card information to the appraisal company at the direction of the realty agent which was against my specific direction. 
After some research online I have come across troubling complaints from other mortgage customers stating that it is a scam that Amerisave is conducting - they promise to " hold '' the credit card and then release that credit card information to their affiliate, XXXX Appraisal. I unfortunately did not come across this research prior to applying for a mortgage with them. 
It should also be noted that the CFPB ordered Amerisave to pay nearly {$20.00} XXXX in XXXX for " bait and switch '' practices related to their charges for appraisals and their affiliate XXXX Appraisal.

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 09-11-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Back in XXXX I stopped making payments on a {$1600.00} Chase Bank credit card as my identity had been stolen and was going through financial difficulties. It seems that in XXXX Chase decides to sue me but I was never served. Chase 's attorneys put a judgement against me and continues to try to collect the debt. I settled the debt with XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and part of my settlement condition was that they would remove the judgement. That was not done. The attorneys are the XXXX XXXX XXXX in XXXX, CA. I am now trying to sell a piece of property I own but the judgement is showing up on my credit report. When I got the information from the escrow company as to who to call, I called them and they sent me a letter trying to settle the debt that I had already settled and the amount had gone up to {$6400.00}. I got a letter from XXXX XXXX XXXX XXXX XXXX that my account had been settled and to please remove the judgement and my name from their list back in XXXX XXXX, XXXX. To date, I have not received a response from them and the judgement still appears in my credit report. I called XXXX XXXX XXXX XXXX XXXX and they told me that there is nothing they can do because the judgement was entered by XXXX XXXX XXXX and that XXXX XXXX XXXX has to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Credit card) with Riverwalk Financial Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I saw that my credit scores dropped. I had a collection from Deville Asset Management on my credit for XXXX stating that it is from XXXX. My account with XXXX was paid in full and closed. This agency is not bonded to collect in my state. They never sent me a statement or letter stating that they are putting anything on my credit. This is a violation of the FDCPA AND THE TEXAS FINANCE CODE

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