milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Although I have submitted 5 payments to my student loan company totaling {$2100.00}, they are only crediting {$500.00} to my account. I emailed the company and was told they did not apply it because I did n't specify where I wanted it to go. I have 2 student loan accounts with them and neither were credited my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off my student loans from XX/XX/XXXX XX/XX/XXXX. I have a pdf file from the company congratulating me on paying off those loans. I have new loans from this company from XX/XX/XXXX, of which I recently put into forbearance due to a medical issue that occured a month ago. I believe that when they put my new loans into forbearance, something happened in their system, and started charging me late fee for my PAID loans from XX/XX/XXXX, which are now accrued to a total of {$40.00}. They have proceeded to call me 6 times in 24 hours trying to receive payment for this amount. I answered the phone the first time, and let them know their system was incorrect, and the person on the phone was able to see that i was correct and would notate it and inform a supervisor to fix this issue ... however, i have continuted to get calls every 3-4 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (IN).
Issue: Application, originator, mortgage broker

Complaint: I submitted a 1st mortgage loan application online with Caliber Homes on Friday, XX/XX/2016. Prior to submitting the online application I contacted Loan Consultant XXXX XXXX with Caliber Homes at the XXXX XXXX branch. I told XXXX what my request was and she told me to submit my application online and put her name on the application so that it would be forwarded to her. I did not hear back from XXXX, so I called her two business days later, on XX/XX/XXXX, and left a voice mail. XXXX returned my call that evening. She did n't really understand my request and pretty much told me that she did n't think I should proceed with my loan request. Quite frankly she did n't even know what product I was looking for. So I told her what loan product I was considering and that Caliber Homes does offer the loan product, which is an FHA XXXX She then told me that another loan consultant handled these transactions. I told her that I would like him to call me. I never heard from him, or XXXX again. In addition, I NEVER received my early disclosures. I also never received any documentation from the mortgage company if my loan was declined or conditionally approved. The mortgage company never processed my " COMPLETE '' application.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In XXXX of 2016, I discovered a public record of bankruptcy on my Experian report. I contacted the XXXX Bankruptcy Court via certified mail twice ( letters received and signed for by court XX/XX/XXXX16 and XX/XX/XXXX16 ) requesting verification of this account with documentation bearing my signature.Twice, the court failed to provide such proof. In addition, my Experian report never showed the item marked as disputed. 
on XX/XX/XXXX16, I sent via certified mail ( signed for by Experian on XX/XX/XXXX16 ) a request for removal of the item in light of the courts failure to provide signature proof or mark the item as disputed. Experian replied that as of XX/XX/XXXX16, the record had been verified and and would remain on my report. The record was not marked as disputed and Experian failed to provide documentation bearing my signature. An employee finding my name of a third party data mining database is not verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Home equity loan or line of credit) with Sterling Home Loans Inc (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Like many others, we have been facing difficult financial times for the last few years. Late in 2013 we took a XXXX mortgage on our home to catch up on our bills and to help launch a business that would get us back to work. The lender ( Sterling Homes ) took a second position on our home. By the time they had the money for us we were desperate, and they smoothed through the XXXX pages of documents so quickly that we signed without really understanding what the paperwork said. Turns out the loan was to be paid back with interest only payments of $ XXXX monthly due to a 16.26 % annual interest rate and {$9000.00} in fees ( over 10 % of the loan amount ). Worse, they slid a clause in their fine print that says they can foreclose even if the first is brought current. These guys presented themselves as banker type lenders, but they were loan sharks. The terms of the loan are usery and they should never been able to charge such exorbitant rates and fees especially when the loan was secured by an owner occupied home. They said they were lending my business money, but they showed little or no interest in it at all. The business still has n't launched and money is still tight so we are almost 7 months behind now on both the XXXX and XXXX. The XXXX is with XXXX and they have agreed to a loan mod beginning XXXX XXXX that will substantially reduce my payment, get me current and waive all their late fees. The problem is that the second lender has a XXXX XXXX foreclosure date and will not grant any kind of modification, nor even let us catch up. They are requiring us to pay off their loan in full before XXXX XXXX or forfeit the home where we have been raising our boys for XXXX and XXXX years. They want to steal our equity even though we have owned the home for over 19 years, borrowed money from them only 3 years ago, and only owe about {$6000.00}. Please help us force them to modify their loan to allow us to keep our home. They have already made over {$30000.00} in straight profit for lending us $ XXXX and we still owe them the entire $ XXXX! They took advantage of our desperation and now they are trying to take our home even though the first lender is working with us. We need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My credit file has been merged. The Consumer affairs department now has my credit file. The accounts that should be shown on my account are XXXX, XXXX XXXX XXXX XXXX, and XXXX. This company has placed my file in a department where I can not see my credit file online and get my score. The lady from the Consumer Affairs say my file will remain there. How can I view my file and I have restrictions on there.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Trouble during payment process

Complaint: I sent a payment of {$9000.00} to Ditech on XXXX/XXXX/XXXX for my monthly payment. It included a check for {$2000.00} and XXXX money orders ( {$1000.00} each ). They deposited personal check on XXXX/XXXX/XXXX and 4 money orders ( {$4000.00} XXXX total on XXXX/XXXX/XXXX. They lost 3 money orders ( {$1000.00} each ), which is {$3000.00} of the payment. I contacted them on XXXX/XXXX/XXXX at XXXX XXXX - spoke with XXXX ( ext XXXX ) who filed a complaint # XXXX to find out what happened to missing {$3000.00}. She told me that the company has 5 business days to investigate the incident and respond to me. 
I contacted the company on XXXX/XXXX/XXXX at XXXX XXXX - XXXX 's extension does not have a voice mail set up - the phone kept ringing and I could not leave a voice mail. She provided her manager 's contact information during my initial call so I called her and left voice mail ( XXXX ext XXXX ). I have n't head from them so I called again on XXXX/XXXX/XXXX - XXXX 's phone mail kept ringing and I left VM on XXXX 's phone again. 
I would like to know what happened to {$3000.00} of my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Credit card) with USI Solutions Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Claimed that I owe money from a debt from 2007, says they have mailed validation I have received nothing. Claims a judgement was filed against me and that I will be served us less I pay them today

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 07/20/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Problems when you are unable to pay

Complaint: BMW Financial Services claims I owe XXXX I believe, amount might be incorrect. This amount is the difference from payoff received by XXXX, the insurance company for the party who totaled my vehicle which occurred on XXXX XXXX of this year. A GAP claim was filed, however, the claim was paid out with no benefits and do not know why. I advised both parties, XXXX and XXXX XXXX, one of them will need to pay out for this. However, more than likely, neither party paid. There is a case pending against XXXX for bodily injury due to accident and have advised attorney to add on the amount owed to BMW Financial Services as part of claim. This is a legal matter which I can not discuss, however, please advise BMW Financial Services I do not have amount owed as I have been helping my mother with her medical bills since accident, she was the driver of the vehicle at time of accident.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: I have been a member of USAA for almost 10 years now. On the XXXX of XXXX, my wife and I deposited her commission check she received for a XXXX deal she completed that day. She is a XXXX and has had large commission checks deposited to this account before. This particular check was for over {$6000.00}. We called before we deposited it via the mobile banking app ( because that is the ONLY way you can deposit a check ) to ensure some of the money would be available for immediate use. The banking rep stated that we would have access to most of the money. They would hold {$1500.00} while the check cleared. This seemed normal and we deposited the check. We immediately had access to the money like the representative stated with a hold of about {$1500.00}. Two hours later, the account was locked down for " Fraud Alert ''. We have XXXX accounts we use for different aspects of our lives. Not only did they lock the main account down, the account the check was deposited to, but locked down ALL XXXX accounts for " Fraud ''. This check came from a XXXX office. We called before we deposited it, and yet, EVERY account we had was locked down for " Fraud ''. To make matters worse, when we called to figure out what the issue was, they told us it would take THREE days for it to be rectified! THREE DAYS! We could n't access a XXXX of our money for THREE days! We spoke with several people and no one would help us. They kept telling us it would take the fraud department time to " investigate '' the check. Meanwhile, I have XXXX who I could n't feed because we could n't access our money. No answers, no sympathy, and no action was taken by USAA to expedite the situation. We spoke to a manager who gave us a bad attitude and did n't help us at all. It did n't seem that any department had any idea what the other was doing. One person told us that the automated system triggered the main account for fraud but then another person, they did n't know who, came behind that and locked us out of all of our accounts. We have yet to hear anything from anyone and the issue is still not rectified, 4 days into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Due to unethical lending practices and telling me they would help me and that I had options, I used private loans and when I could n't pay them I was told I had no other option - when I did bankruptcy to get some relief from medical and credit card - my attorney would n't file the needed docs and I defaulted. I now owe XXXX and I make XXXX a year. Not only does Navient lie about options and helping you - the only thing they are good at is calling you when you cant pay but not working with you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Other mortgage) with GATEWAY MORTGAGE GROUP, LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently in an active chapter XXXX bankruptcy and I want to voluntarily reaffirm my debt with Gateway mortgage. I have filed pro se. I am able to file the document myself with no charge. Gateway states that if they send it to counsel that they will charge my account. For me to be able to file I have to have the original signatures which the bankruptcy manager at gateway XXXX is refusing to send it to me. Stating that he does n't trust me and that he will not send it to me because I could change something. I am a bankruptcy lead for a mortgage company and I know that I can not legally change the information as that would be fraud. I have conveyed this information but he still refuses to send it to me. The court allowed me to file the reaffirmation but with deficiency of the mortgage company needing the original signature. When I contacted XXXX this morning he stated that they are sending to counsel and when I called I advised about not billing the fee to my account as that would be incorrect XXXX hung up on me. 1. With the note and mortgage that I signed at closing it does state that a fee may be assessed if referral to counsel is necessary " if there is a default '' we have never been in default on our mortgage account. 2. I have opinions from multiple local attorneys stating that the fee has to be listed in the reaffirmation agreement to be able to charge to the borrower. In this case the fee was not included in the reaffirmation agreement that I signed and filed. So in this case I do not believe that they would be able to charge the fee to me. All I want to do is reaffirm the debt to ensure that my monthly payments are reported to the credit bureaus as I know without the reaffirmation agreement they would not be able to. Again I can file it for free I just need the original signatures from the mortgage company which has refused and they are going to send to counsel and bill my account for something I can do for free.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with SIMM Associates, Inc. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company is calling all family members and friends and harrassing them with continuous calls at all hours. I have no idea who they are and I do not owe that amount they told to my mother. I do n't live with her and the gentlemen on the phone told her all private information about me. She was n't aware of this and felt threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( XXXX, EQUIFAX AND XXXX ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (I do not know) with The Law Offices of Mitchell D. Bluhm & Associates (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This complaint is against the co mpany " MBA Law  Offices /  XXXX  ''.     Currently, they are reporting that I owe them a total of {$1300.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ". My report indicates that the account has an " open date '' of  XXXX   2016 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: contacted XXXX and let them know that the debt was not mine. It belongs to my ex-wife, and accured while I was XXXX in the Department of Corrections from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've paid off XXXX accounts and upon paying both these debts off they agreed to remove both items remain on my credit. Accounts were with XXXX credit card and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I called Bank of America because I was interested in a balance transfer offer they had. The problem was, I needed my credit line increased by {$3500.00}. When I was connected to the rep, I explained to her what I was interested in and what I needed to make it happen. I then told her that if getting my credit line increased involved a hard inquiry, then I would not be interested. She just went along and asked to update my financial information. I then reiterated that she better not run my credit. She explained that she was not a credit analyst and she had no access to my credit. I said O.K, but if I find out there was a hard inquiry, Im going to call back and fight to have it removed. She then put me on hold. Upon getting back on the phone, she explained that she spoke to her manager and they said the same thing, they 're not credit analysts, so they dont know how they will effect my credit. Then she said " good news is you were approved for your increase ''. So I got my increase with the understanding that my credit report would n't be effected. I even told the rep that she did n't explain that she would be pulling my report, so it would n't be legal to do so. After completeing my transfers, I hung up and checked credit karma, and there she was, a hard inquiry from Bank of America. I need this gone!!

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 03/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, my name is XXXX XXXX. I live in XXXX XXXX, CA. My address is XXXX XXXX XXXX XXXX XXXX, CA XXXX. My servicer is now Select Portfolio Servicing , Inc. ( SPS ). 
I 'm currently attempting to work out a loan modification option with SPS. I 've been trying since XX/XX/XXXX. Now it 's XX/XX/XXXX and I still do not have an answer to my loan modification request. I do n't know how long this usually takes but to me this seems very unusual to have this process take so long. Every time I give them documents they always ask for more and it seems like no matter how much documents I give them it 's still not enough for them. I do n't know what to do anymore as my home is put on a foreclosure sale which is scheduled for XXXX XXXX, XXXX. 
I 'm very worried that by that sale date I still will not have a loan modification approved on my loan. I would greatly appreciate it if your company will look into why this is going on and when I will be able to get a loan modification on my home. 
Thank you kindly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I asked to be assisted with stopping garnishment of my check what they did was basically had me pay a sum and then told me to start paying XXXX a month I 've been doing that but now I find that the insurance policy that was on my loan has been cashed in so my school had been paid what 's owed Great Lakes is now placing my account on my credit as a collection account and I 've been paying them every month since XXXX. When I call no one has a answer. I 've asked for the copies of my loans with them so I can read over them and they have failed to provide them. They are not supposed to create more of a hardship on me and make it harder for me to pay my debt.

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