milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (IN).
Issue: Trouble during payment process

Complaint: I have been hung up on multiple times. Called and harassed the whole month of XXXX about a payment that was made and denied to speak to a supervisor. I just want to know where my money is going. Every month or every other month it is the same thing and it should not be this hard. I send in my coupon and fill it out where my money should be applied. They take it upon themselves to put money wherever they choose to put it, then harassed me and say that I am late, or my rates are increasing because my escrow is low. They sent me all of my payment information and it only shows half the information and is not helpful at all. I really want to know where my money is going and need help resolving this issue. Hours on the phone, and emails and nothing is resolved. This mortgage company is beyond awful and I refuse to give them more money for them to do whatever they want with it. I have stellar credit, and do not want them to report badly. I ca n't refinance because my payments to them are so messed up that I 'm not sure how much I owe and what information is actually correct. They need to be out of business because they do n't know what they are doing!

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loans were consolidated by XXXX in XX/XX/1997. I have been paying on my student loans for XXXX yrs, yet the principal I owe has almost doubled. I started out on their graduated payment plan. Because the amount of my payment did n't cover any interest, any interest that accrued, they kept applying to the principal. I am now on an income based repayment plan. It 's the same thing. I 'm making the payments, but because they do n't cover the interest, they apply the accrued interest to the principal balance. How is this ok?? Now I 'm paying interest on the interest on the interest, etc ... This is such a scam. It needs to stop! They make paying off your student loan impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with Broward Adjustment Services (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On   XXXX    , i received a call from a representative from BAS  XXXX  by the name of  XXXX  employee ID :  XXXX  from telephone number   XXXX   XXXX   XXXX   at  XXXX  attempting to collect an alleged debt. I never received a dunning letter. I took the information, and proceeded to send them a letter requesting validation of the alleged debt. I then received a letter from them date d  XX/XX/17   stating that i have n't made any payments on the account, therefore they will report it to the credit reporting agencies and completely ignored my validation letter. I personally contacted the alleged creditor and was informed that i do not owe the company and i have a receipt stating that i owe them {$0.00}. I sent them a letter again requesting that they validate the alleged debt again on  XX/XX/2017   .

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received ON AVERAGE 2 calls a day from Portfolio Recovery Associates. I called them back to see what they could possibly be calling for ( I have no debt to be collected ) and after giving my name they said they had the wrong number. I was HARASSED for months for something that was not even meant for me! This is beyond frustrating and should NOT be happening!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have been fighting with Equifax/XXXX/XXXX for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XX/XX/XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( Equifax ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however Equifax will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am unable to dispute XXXX negative items on my Experian credit report that is 7 years old and more that should be deleted from my credit report. 
Experian Report Number is 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 10-08-2015 about Debt collection (I do not know) with FMA Alliance, Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FMA Alliance XXXX Ltd. ( http : //www.fmaalliance.com ) calls my home several times a day asking for a person I have never heard of. I have repeatedly asked to be removed from their call list to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (AL).
Issue: Taking out the loan or lease

Complaint: My deceased husband 's son and now even a grandson gets calls at my home number for non-payment of loan. I am in no way connected to their loans. How on earth do these agencies get my number at home? I tell them I am not involved and my husband died in 2008. But several keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: 1. Green Tree purchased our mortgage from XXXX at the end of a Chapter XXXX bankruptcy. ( XXXX/XXXX/2015 ) Payments to Green Tree began on XXXX/XXXX/2015. 

2. At the end of bankruptcy, we sought to refinance the house to save $ 600+/month in payments. 

3. Green Tree has a " policy '' to " not report for the first 90 days after service transfer. '' As such, payments were made to Green Tree ( for which they have all proof and documentation, but we will also provide canceled check copies ). However, no payments were reported to credit bureaus. This is in a letter we received from Green Tree dated XXXX/XXXX/2015. ( We will also provide a copy of the letter. ) 4. Because of post-XXXX mortgage rules in the Dodd Frank Act, a refinance can not be done unless payment history is unbroken. The 90-day-gap that Green Tree creates in payment history means that their customers can not refinance to another company! As a financial institution, they would know this. This has kept us from re-financing with other lenders. 

5. Therefore, this constitutes a XXXX where a consumer is unable to leave the patronage of Green Tree Servicing LLC ( This is a criminal action! ) due to the Dodd Frank rules. Green Tree purchases a mortgage, creates a gap in credit history, and that renders customers unable to leave their service. 

6. We simply want Green Tree to report payments they received to the credit bureaus. This would allow us to re-finance. Presently, this is costing us an additional $ XXXX. If this continues much longer, we will also be forced to take civil action to recover some of that monthly cash flow. We have XXXX children in college, this year - we need that money, desperately. We ca n't afford to be held hostage to XXXX like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I originally sent EQUIFAX a dispute letter regarding 6 late payments to XXXX on XX/XX/XXXX. ( One letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XX/XX/XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Collection Systems, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent NCM a letter and asked for a true and certified copy of the original instrument of indebtedness with my original signature. NCM sent me a typed up copy of a lot of numbers of an amount owed with no sign of my signature in sight. I followed up with another letter that 's attached to this complaint and asked them once more to please send me the original indebtedness. NCM refused to do so and sent me another letter stating that they were n't responding to my letters any longer with an updated different balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient ignores my complaints about XXXX XXXX XXXX  practices and deceptive XXXX program ; request to stop calling all day from their automated voice calling systems ( even calls on Sunday and after hours ), and pressured from loan acquisition I received in beginning. I felt they misleading me by providing me with bad information, processing payments deferments incorrectly and using deception to direct borrowers away from plans offering lower monthly payments. They failed to do anything about my complaints involving incorrect processing of deferment and forbearance forms ; bad reporting to my credit records leading to me having incorrectly and/or damaged my credit of XXXX borrowers whose loans had been discharged under a government program by incorrectly reporting that their loans were in default. Navient encouraged me to take forbearance when I could have qualified for income-driven repayment plans. Causing me to exhausgh my use of forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I paid off a balance of a student loan ( i.e. one of four ) I took out for my daughter on XX/XX/2018. 

I received a letter in summary that : - confirmed that I authorized a debit of an account with another financial institution - a notification from Wells Fargo of limitations of withdrawals under Regulation D - a footnote that " some states require us to inform you that this communication is an attempt to collect debt and any information obtained will be used for that purpose '' I called Wells Fargo to understand what they think their obligation is in notifying me of a withdrawal from another financial institution and compliance of Regulation D. Wells Fargo could not explain this to me and offered for me to speak with someone in their compliance department. I declined - as I reviewed Regulation D and I believe that Wells Fargo was overreaching in this notification to me. 

I also spoke with Wells Fargo on the footnote they provided at the bottom of the letter. Wells Fargo 's defense was that the student loans are debts that they are collecting and that there is nothing more to that footnote than notifying me as such. 

Although I am an educated consumer, I felt that I had done something wrong in paying off a student loan. In this circumstance, my paying off the student loan was not a " collection matter '' nor was Wells Fargo obligated to notify me of Regulation D - that obligation would reside with my financial institution, as applicable ( of which it was not ). Plan and simple, I felt intimidated for paying off a loan and had to research what I might have done wrong ( which was nothing ).

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 09/23/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (FL).
Issue: Managing the loan or lease

Complaint: I took out a personal loan with Lending Club and my payment is due the XXXX of every month. Lending Club sets up your monthly payment to be auto drafted from your bank account which I opted out of as it is my right. My plan has been to make a payment every XXXX weeks of {$1500.00} which exceeds my minimum required payment by almost XXXX. In this case, I made online payments of {$1500.00} on XXXX, debited XXXX, and XXXX debited XXXX, and according to Lending Club, I still owe a payment of {$870.00}. 

After discussing the matter with Lending Club directly, I 've been informed that the only way to ensure a payment is correctly drafted is to call on the payment due date, or to mail a check which is subject to a {$7.00} processing fee. If I do not do it this way, my additional payments will be held up until I call in to make my original monthly payment. At then end of 30 days past my due date, I was told my loan will be marked delinquent, the credit bureaus will be notified, and my account will be sent to collections. At this point, I will have paid {$7500.00} towards my loan to which Lending Club will state that I owe {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed to XXXX, Transunion and XXXX the deletion of a paid tax lien ( per the Consumer Assistance Plan whereby the XXXX credit bureaus agreed to a settlement with the XXXX state attorneys generals to delete all judgments and liens. In addition, the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011. 
XXXX has quickly deleted the lien from my report but Transunion and XXXX continue to not delete the item from my credit report.

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 09/22/2015 about Debt collection (I do not know) with Direct Recovery Services, LLC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: At XXXX on XXXX I received a call from XXXX XXXX. I was not home and the following message was left on my machine : This is XXXX XXXX and I am tired of wasting my time and resources on you, it is in your " best interests '' to call me NOW! to resolve this matter before action is taken. After reading posts about this number on line I have found that this is a deceptive company that gives address of XXXX XXXX XXXX XXXX, XXXX, NY XXXX The address is vacant and for lease. If the company name Direct Recovery XXXX is XXXX it comes up with a company in California. They have a home made website with no information at all except pay now. I did not call them back because I never received a verification of debt letter from any company in over 6 years. Here is info directly from this company as posted on Who called me from ... The name of the company is Direct Recovery Services. Our primary location if XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. We also have offices in Minnesota and South Dakota. Full information is available at XXXX Any questions or concerns can be addressed in a call or in writing and will be immediately addressed. Send questions or concerns to XXXXXXXXXXXX.

Company response to consumer: Closed
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro Amex, XXXX, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX XXXX has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested. 

American Express XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX did n't ID where calling from. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX. 

These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call 3-4 times a day?

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Consumer Loan (Installment loan) with First Investors Financial Services Group, Inc. (GA).
Issue: Shopping for a loan or lease

Complaint: this company did a hard click on my credit with out my permission i applied for refinance with XXXX XXXX and the got my info from them and checked my credit without my knowledge or approval

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have almost XXXX in student loan debt through Navient, previously XXXX XXXX. Several times over the course of my loan since my attendance for graduate school they have continued to increase my payment though I do not have enough income to pay such large payments with XXXX other student loans I pay every month. It has gotten to the point, when I called today, that they will not lower, reduce or settle my payments from almost XXXX/mo because I have a consigner and they show he can pay. They constantly call and hang up with both me and my parents. XXXX us into making payment saying they will 'find a way to get the money they are legally owed ' and told me that even though it is my loan, they show that I can not pay that amount every month, that unfortunately my father can according to their records so he will have to pay it. As you can imagine my father is no longer speaking to me as a result of this disillusioned student loan debt fiasco. No one will give me a loan so I can get them off my back for that amount. They are n't willing to settle one without both. They basically tell me I have no other option but to pay. The way they have spoken to me on the phone and told me it 's pretty obvious I ca n't afford it but that 's too bad my dad can. But they ca n't either. It 's an unrealistic request. On top of that, I have paid on good faith for a long time, they were never willing to release my father as a consigner though their website says after a year of good payments they will with a request. I have filed bankruptcy, I have tried to negotiate, I have called and tried to continue paying on time, now with the recent call today and their cruel attacks at my payment issues and telling me that 'obviously I need to get a second job to pay them. ' Has me at my last rope.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Credit card) with The Law Offices of Erskine and Fleisher (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Law Offices of Erskine and Fleisher ( representing XXXX XXXX ) filed a Writ of Garnishment ( Circuit Court Case # XXXX ) to my bank XXXX dated XX/XX/XXXX. I received a letter from XXXX on XXXX XXXX, XXXX, advising that approximately XXXX was garnished from my checking account. On XXXX XXXX, XXXX, I received a Notice of Garnishment from Erskine and Fleischer. I settled this matter in XXXX XXXX. The XXXX XXXX account was sold to XXXX , XXXX on or about XXXX XXXX, XXXX. I settled this debt with the attorneys for XXXX XXXX and a Voluntary Dismissal with Prejudice was filed in Circuit Court Case # XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Have been trying to modify for the last three years. Every time I try documents go missing and things are delayed. I 've been turned down a few times but am told that I may apply again for a different program. I 've been told that my principle would be dropped and many other things that were lies. When I was finally approved the conditions were outrageous. I just want a fare modification so I can get back on track. This company has been XXXX me around for years and I am suspicious of their accounting as well as far as my account goes.

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