milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was a loan modification process with XXXX. I sold my home in the midst of this process. Never once was I informed with any paperwork or verbal conversation that I was in " foreclosure! ". I sold my home on XXXX/XXXX/16. XXXX is has reported to credit bureaus as " foreclosure '' and just as recently on XXXX/XXXX/16 a missed payment??? I have tried numerous times to contact them and I never get a response!! XXXX is damaging my credit and it needs to be removed immediately. I can support my situation with the letter I begged to receive from XXXX showing PAID IN FULL. Please help!! 
Thank you!!

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 03/27/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: I deposited XXXX money orders on XX/XX/XXXX and XXXX money orders on XX/XX/XXXX. I was not notified of a hold on the first deposit until after I already deposited the money orders on XX/XX/XXXX. Apparently, Bank of America believes that one of the money orders from the XX/XX/XXXX deposit is uncollectible and as such has placed an extended hold on that money order, plus all XXXX money orders in the XX/XX/XXXX deposit for no apparent reason. I have attached all of the receipts that should be relevant to this issue. The bank branch has reviewed the physical copies of most of the items and has informed me that they are still unable to release the hold. The hold times are in clear violation of Regulation CC. The hold on the one money order from the XX/XX/XXXX deposit has been released as the hold was apparently set to expire at XXXX on XX/XX/XXXX. The bank has no reason to believe that any of the money orders deposited in the XX/XX/XXXX deposit are uncollectible. They are simply using the second deposit hold to extend the first deposit hold longer than what may be legally allowable if the first deposit was subject to an exception hold. Not only is this a clear violation of the Regulation, it effectively allows the bank to hold funds indefinitely as long as deposits to an account are being made.

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 11/16/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education ().
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I contacted XXXX to tell them that I wanted any payments in excess of my minimum payment to be allocated to specific loans ( ie the loans with the highest interest rates ). They told me there was no way for them to do that and that additional payments would be treated as payments in advance and such additional amounts would be allocated equally among all loans of various interest rates. I told them that this was unacceptable and that alternatively I could provide the exact amounts each month that should be allocated towards specific loans from the aggregate autopayment. They said they could not set this up in advance and my only option was to call them by phone each and every month after the date on which an additional payment had been made and request that such additional payments be reallocated after the fact ( which would require the phone representative to email their accounts team who would effect the reallocation within 3-4 business days ). There would be no confirmation provided to me and if any error I would be forced to contact customer service again. 

This process is administratively burdensome ( I spent 40 minutes on the phone with them ),  potentially fraught with human error and I feel designed intentionally to prevent me from allocating additional payments to my highest interest rate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage that was transferred to Greentree Servicing. Since the loan was transferred, the service is rude. Recently, my husband was off work due to a XXXX and we were late in making our payment. We advised Greentree that the payment would not be made until the XXXX of the month, when we would have another paycheck. They continued to call 3-4 times a day and also at my place of employment. I questioned this and told them that I had previously requsted that no calls be made to me at my place of employment. They indicated that the account was noted and they had called in error. In the past 3 weeks I have received over XXXX calls from Greentree at my place of employment by the same individual that indicated that my account was noted for no more calls. I had even gone so far as requesting that the phone number be removed from their system, yet they continue to call. My 2nd issue is that their billing statements do not list what the monthly payment is. We recently had an escrow change, and I paid that amount and the payment say in unapplied and was not credited to a payment. The analysis indicated my payment was {$1200.00} yet when I paid {$1200.00}, the payment again sat in unapplied and did not post to my account. Yet they continue to call me day and night AND at my place of employment. No where on the billing statement does it give a breakdown of what is due ;. Since the last notification I recvd for a payment change was the Analysis in XXXX, I have paid that amount yet, the payment still sits in unapplied. They refuse to indicate what the past due payment represents. Since the loan transferred to GT about 2 years ago, we were only late this one time XXXX XX/XX/XXXX 2016 ) and now the XXXX payment is sitting in undisbursed. They have an obligation to explain the amount due, which they do not. I want action taken against them for continuing to harass me at work multiple times a day when it is very clear that they have my request to not receive calls at work. Since my loan transferred, I have also been charged a late charge, when per my contract, I should have been. It indicates a late charge would be assessed on the unpaid principal and interest portion of my payment. I made the principal and interest prior to the end of my XXXX day grace period, yet they still charged me a late charge, because my escrow portion of the payment had not been paid ( I paid that the following week ). They are impossible to work with and do not answer questions when asked and frustrate me to the point where I ca n't take their calls. I have no intention of defaulting on my loan but they continue to treat me rudely and threaten 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 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.

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 05/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a large amount of unjustifiable debt accumulated from a University I went to several years ago. Essentially what has happened is the school let me attend classes there for 3 years while I racked up a lot of student loan debt, and then due to a university error ( which I have on their letterhead admitting fault ), they kicked me out of school against my will due to them not having accepted the last semester 's financial aid payment. 
Since, according to them, I owed an outstanding balance to that school, they refused to send transcripts to any other accredited college in the country, preventing me from getting any sort of degree to pay for that debt. This took over 5 years to resolve, and basically what this means is that they let me collect debt, and then deliberately prevented me from having any way to pay for that debt for the next 5 years. I now live across the country from that school, with no degree from there, and since I was never able to transfer credits to another school, everything I ever did there is completely useless, as I was prevented from any attempt to further education from an accredited college. 

I feel that, under the Borrower 's Defense law, I should not be held responsible for this large debt due to the fact that they deliberately prevented me from having any way to pay for that debt for 5 solid years ( unable to get a degree and therefore unable to acquire a job that allowed me to pay off that debt ). 
I have been trying to find someone to help me get rid of this debt for so many years but no one ever returns my calls. I have spoken to consumer advocates, lawyers, ombudsman group, etc, and no one says a word to me. 
I have made every loan payment in full on time every month and I owe more now than I did when I started out, and now my loan payments have become unmanageable because of this and this year I will start to have serious problems with this unjustifiable debt. I should not be held responsible for almost {$30000.00} worth of debt when I got kicked out of school against my will due to an error that they have admitted to. 
Please help me with this. I have all the documentation to support what I 've said.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 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: For the past 3 years I have been trying to pay my student loan from Navient. Some months I would pay twice to try to bring down my principle. Over the course of the three years, I have not been able to bring down the principle at all. It 's actually gone up. I would like to know why when I pay double one month that second payment is n't added directly to the principle? It 's very frustrating to have this happen time and time again. Only to have to talk with Navient ask them to do it and once, I put a double payment on and the same thing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX I sent a debt validation letter to Wells Fargo XXXX dept in reference to years of interest accrued via cash advance. It is my belief that I did not know cash advances were being charged on my account. I requested a fraud review in which I received a letter from their fraud team along with my entire credit card history stating that the charges were valid ( " the account was authorized based off payments and transactions made to the account. ). *My credit card was closed in XXXX and charged off a few years later. * Upon receiving a recent settlement offer for {$1500.00} from Wells Fargo for monthly payments of XXXX for next 10 months, and further review of my charges from what they sent me, I called today XXXX/XXXX/XXXX to make a good faith counter offer of {$1000.00} in which I informed collection rep that due to my current financial status that I will not be able to make payments for the next 10 months of {$150.00}. I informed rep that I was gifted {$1000.00} and would like to settle with all that I had. I was told my offer would not be taken and that I had to either pay {$90.00} a month until full balance was paid ( {$2500.00} XXXX or settle with the 10 month option of paying off the {$1500.00}. 

I do not know what to do with this debt as they do not want to take what I am able to pay with today nor am I able to find extra income to pay an additional monthly bill of either the full payment or settled amount? I feel defeated. All I want is for this account to be over with. I could of been done with this 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 non-monetary relief
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: The creditor, Midland Credit Management XXXX Inc., formerly Asset Acceptance , LLC, garnished my bank account on XX/XX/XXXX and took {$700.00}. I filed a claim for an exemption in the case under Florida law. The money that was garnished was being held by Midland Credit Management XXXX Inc. while the claim for exemption was pending. On XX/XX/XXXX at the hearing for the claim for exemption, we reached a settlement agreement that I would pay {$100.00} per month. The money that was garnished was to be returned to me. The money that was garnished was never returned to me, and I was never given credit towards my outstanding balance for the {$700.00}.. I have been calling the company for two months now and no one at the company can tell me why my money has not been returned or credited. I have met my monthly payment obligations of {$100.00} per month pursuant to the settlement agreement. I want the {$700.00} returned to me. I am aware that Asset Acceptance , LLC was sued by the FTC in XX/XX/XXXX. Meanwhile, they have opened a new company called Midland Credit Management , LLC at the same address in XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I made a electronic payment online with my bank on XXXX XXXX, 2016. My bank notified me on the XXXX XXXX, 2016 and told me the payment will be rejected due to an error on the bank not telling/or putting it in writing that thier customers can not set up payments with all accounts. I contacted Carrington Mortgage to inform them of this and I was told that as long as I get the payment in I will be fine. I went to a XXXX XXXX at XXXX and paid the mortgage payment as soon as I disconnected with Carrington Mortgage. I called Carrington Mortgage back and informed them of that the payment was submitted and they confirmed they received it. I then spoke with the manager XXXX who informed me that I would need to send in the information in pertaining to my bank so it does n't go on my credit report. I sent the information in and called and confirm they received it. I was told by the resolution department and the manager that this would not go my credit report, but Carrington Mortgage sent me a letter today informing me that the late payment will go on my report even though it was my bank'statement fault and provided a letter showing that. My fiance and I are XXXX and Carrington is treating us very horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX/XXXX/XXXX, I found six of my citi credit cards were closed without any notification. By the time they closed my account, I still have much reward points in my accounts.

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 03/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Remove Late Pay for XXXX XXXX  2017, please see attached that could not go through when processed online. Remove late pay for XXXX 2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: I took out a car loan of {$5000.00} from Wells Fargo XX/XX/XXXX. I have made monthly payments, including a {$3500.00} payment XX/XX/XXXX, towards the balance due under the loan agreement. I am disputing the application of my payments to unaccrued interest instead of principal. The amount that should have been applied to principal instead of interest over the past year is {$86.00}. I have called the Bank, I have gone into the Bank and talked with a loan officer, and I have written XXXX letters. The last letter I sent was on XX/XX/XXXX and I have received no response nor have they corrected the error. Is this the type of matter the BCFP can help me with? I am on Social Security XXXX and only make {$20000.00} a year, so this is a big deal for me while I 'm sure it is an insignificant one for the Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (I do not know) with Michael Haynes & Associates, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Michael Haynes & Associates continues to call me at work after repeatedly being told that this jeopardizes my employment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Loan officer requested signature loan and prelim came back with 150 day late pay. To my knowledge my payments have never been late, even with prior hardship I made arrangements and have paid the correct amount, on time, since inception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: SUBJECT XXXX about CHASE BANK. 

I received an e-mail from you stating that Chase Bank responded to my complaint that they were " working on it '' .The last e-mail from you stated that the case was closed. That answer is absolutely not acceptable!! Chase Bank has been " working on this issue since XX/XX/2017! They do not answer my repeated phone calls and still have not returned my money which was never intended for that bank in the first place. Chase has had my {$2000.00} ACH check for over FIVE MONTHS. By now a solution should have been reached. I need action not words. I am still without my money! 
PLEASE HELP! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The beginning of XXXX 2017, another individual used my information ( Name, address, social security ) to apply for multiple new lines of credit. Whilst most of them got denied by using proper security checks, two credit  card companies allowed this individual to successfully open a credit card using my information. Here is the info that I have from my XXXX report : 1 ) Barcalays bank :  Account Number : XXXX 2 ) XXXX/XXXX 's : Account Number : XXXX As soon as I realized these accounts were opened, I put in a dispute with XXXX. I also opened an account with XXXX. Using their recovery program and by contacting both Barcalay 's Bank and XXXX 's myself, I was able to get XXXX 's removed from my credit report. However, Barcalay 's bank is not working very well with me. I have called them myself and when I give them my information, name, social, etc.. They continue to tell me they ca n't find my account information. I have also mailed them multiple times. Then I received a call at my grandparents house, where I do n't even live, from Barcalay 's bank asking me by name because my account is overdue ( they were calling every day for about a week ). Luckily I was there one day when they called and I explained the situation to the representative and she said she was going to transfer me to the " security team. '' I then waited on hold for a couple of minutes then the line went dead. I called them 3 times since and each representative still tells me that they ca n't find my account by using my name or other info, but yet they called a relatives house and were asking me by first and last name. The next step on my identity theft recovery program is to put in a complain with you.

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 05-02-2017 about Debt collection (Other debt) with Diverse Funding Associates LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have no contract with this company in regards to any debt owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (FL).
Issue: Managing the loan or lease

Complaint: I financed my XXXX vehicle through PNC Bank XX/XX/2015. It was a new vehicle and i obtained a 2.24 % simple interest rate on the car. Since the loan term was 60 months or more I have been making my regular loan payments as well as additional payments that I have informed Bank personnel were principal only payments. Instead of posting the payments as principal the Bank has been posting them as regular payments and deducting interest from them. Hence the interest being charged on the outstanding is greater than, if the payments were posted correctly. I have contacted the Bank on several occasions. Initially I was told that their system could not account for principal only payments. It is my position their system issues are not a consumer responsibility. I want my payment to be posted as requested.

Company response to consumer: Closed with explanation