milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a " bill '' dated XX/XX/XXXX from this company stating that I have an unpaid debt with them in the amount of {$1000.00}. I have never had any dealing with this company. On XX/XX/XXXX they signed for a certified letter that I sent them requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

I requested that I am asking for validation ; that is competent evidence bearing my HANDWRITTEN signature ( not a computer generated signature ), showing that I have ( or ever had ) some contractual obligation to pay them. I also advised, that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, or have never owed, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I did not receive any validation or correspondence from them. 

However, what I did receive was a notification from my credit monitoring service that they placed not one or two derogatory marks on all 3 of my credit reports but four ( 4 ). One on XX/XX/2017 ( before their initial " bill '' and the second on XX/XX/2017 ( 2 days after receiving my letter requesting validation ), XX/XX/2017 ( just after I filed a complaint with the BBB ) and the last one noted on XX/XX/2017. Making 4 negative entries on my credit reports has caused my credit score to drastically decrease between 20 - 45 points ( depending on the credit bureau ). These marks are clearly retaliation for me challenging them.

XXXX XXXX  never responded to me directly from the certified letter I sent them. They only responded to me through my complaint with the BBB, Their " verification '' is an itemized bill. According to XXXX ( attached ) this is NOT " verification ''. 

Removing ALL items that they placed on all 3 of my credit reports immediately and permanently. If this is not done within 30 days, I will be filing a suit in court and seeking a minimum of {$1000.00} in damages per violation for : a ) Defamation, b ) Negligent Enablement of Identity Fraud, 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

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 02/24/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had repeated problems with Discover Student Loans. I did not choose this company - they purchased some existing student loans I had with XXXX, so I was never given the option to use the free market to find a company that provided better service. 

My problems with Discover began almost immediately. The monthly payment amount they wanted was very high, and I was working for a non-profit, making too little to afford the payments. I called repeatedly to ask for a modified payment plan, but was told that they did not have one yet. So I made their payments and began to put necessities like groceries on credit cards. 

My interest rates on my Discover loans are through the roof and keep going up : currently 7.75 % and 10 %. They 've gone up six times in the past year, including twice in a single month last XXXX. Because they keep increasing my interest rates, my payments go up, too, because the loan term does n't change. I asked if I could renegotiate the loan term to make my payments more affordable, and was refused. 

Last year, I experienced further financial hardship when I moved cross-country and changed jobs. While my increased hardship was temporary, as I had taken a higher-paying job with a for-profit company, Discover refused to grant me a deferment of a single month. My income was too high. I was instead granted a six-month reduction in my payment amount, from {$490.00} to {$380.00}. I still was unable to pay that month, but I diligently made every payment following, adding {$16.00} to each payment in order to make up for the missed payment over time. In spite of this, I began receiving calls three times day, every day, hounding me for the overdue amount. I requested that they stop or at least decrease these phone calls, and they refused, saying they were within the law. I had to block the number. I have not missed a payment since I had that difficulty last year. 

At some point, my six-month payment reduction ended. I received no notice that it was ending, and did not even realize it had ended until I spoke with customer service today about my overdue balance increasing instead of decreasing. For months I have been making payments that I thought were a little extra, but were instead more than {$100.00} too little. 

Even when I had near-perfect credit, the only refinancing I could find was at a rate even higher than what I 'm paying now. My credit was damaged during the period of financial hardship mentioned previously, so now I ca n't find refinancing at all. I want to pay my debts, and I want to work with this company to make my debt payment manageable. But Discover will not work with me to come to a reasonable compromise on the monthly payment amount. I 'm not sure what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with Navient Solutions, LLC. (IL).
Issue: Charged fees or interest you didn't expect

Complaint: Navient loans has been charging extra interest rates without my noticed of loan forgiveness only did loan forgiveness twice without any documents emailed to them they automatically increased my rate as loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have contacted Experian multiple times over the phone on a dispute to remove two address that are not mine over the month. Originally I was told I could not remove them due to the fact that there were tradelines attached to the addresses. I therefore took down the information and sent the following letters telling them to correct the address certified. I have called the last two day to let them know I have contacted them and that the addresses are not removed yet and it has been 30 days. Correct this and remove both addresses as I have taken the steps that were asked of me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Medical) with Professional Recovery Consultants, Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I owe money to XXXX XXXX XXXX for a procedure and have been making payments on time. No minimum payment was ever discussed. I also believe they are billing me too much for the services rendered. My attempts to obtain an itemized list of charges by phone has been unsuccessful. I was told my insurance company refused to cover the medical expenses, however when I call XXXX they tell me the bill was never submitted. My bill has increased in cost despite me making payments with no delinquent payment. I have all receipts as proof of payments. I have received only XXXX phone call from XXXX XXXX asking me to set up an automatic monthly payment. I declined for many reasons. Despite me making payments and talking to XXXX XXXX, my account has been turned over to a third party collection agency. I have sent a certified letter to the collection agency disputing their ability to collect the debt and asking for proof that this is legal according to the original debt agreement. I am no longer able to pay XXXX XXXX directly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX XXXX of 2015 I received a postcard from Amsher Collection stating I owed Century Link {$290.00}. There was no other information given. I requested by mail a validation of this debt from Amsher. I have not received a validation. I received my credit report on XX/XX/2015. XXXX has placed a negative entry on my credit report. The entry states the date when placed on the report XX/XX/2015 and a balance of. {$290.00}. I do not owe XXXX XXXX any money. I do not know any dates associated with this account as none were given just that I owed it which I dont.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Consumer Loan (Installment loan) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: this is concerning case number XXXX with CFPB which was the original complaint in XXXX 2014. This case was resolved with Regions agreeing to update the XXXX credit bureaus that the loan XXXX that I pay XXXX/mo on an agreed monthly basis and was not written off or have I ever been delinquent on a payment as was showing on my credit report. As of XXXX XXXX, XXXX and XXXX are still reporting this loan to be " charged off '' and delinquent. XXXX XXXX appears to be updated as this negative comment has been removed from their report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Struggling to pay mortgage

Complaint: During the year 2009 we suffered financial hardship when the company my Husband worked for had a major lay off. We had been buying our home for nine years, it was an FHA backed loan. We pleaded with Wells fargo and provided them with all of the many documents and info they requested in order to apply for some type of loan modification on payments in order for us to save our home. There were many phone calls and several of the Bank employees made promises on the phone which were never kept! We had had a history of always making our house payments. We had a young Son still at home during this time and live stock. On XXXX XXXX, 2009 we received notification from Wells fargo Bank XXXX XXXX XXXX XXXX, Iowa XXXX for our loan # XXXX client 708. A letter which stipulates a loan repayment arrangement to help us get back on our feet. Wells Fargo rec ended on their agreement causing us the loss of our home. Locking us out of our home and causing us to loos our personal property. We had to give the livestock away and were displaced having to find rental housing. This property was five acres. We were not allowed back on the property to retrieve or belongings and loss 75 percent of it. I filed a complaint with the Montana consumer protection bureau. Wells Fargo Bank denied doing any wrong. I still maintain that Wells fargo was in fact the catalist for our loosing our home. They were dishonest and offered a plan they did not honor forcing us into Bankruptcy and foreclosure on our home. I attempted to find aid through the FHA and HUD and other entities with no success. I have the documentation of the rec ended agreement I filed a complaint to Wells fargo and I have that paper work.I also have the record of filing to the consumer affairs for Montana.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I sent a written demand to add a consumer statement per the erroneous XXXX account appearing as a collection on my report. I also called to verify receipt of my written correspondence on XXXX XXXX, 2015, at which time they advised they would add my consumer statement via dictation over the phone that day. I was given XXXX as a confirmation for that request. When calling on XXXX XXXX, 2015 to inquire why I had n't received a copy of my updated credit report reflecting the addition of my consumer statement, Equifax advised that the request was never properly processed. The rep claimed that she spoke to the Specialty Department who would add my consumer statement within XXXX hours, but that her system failed when trying to give me a confirmation number. Said XXXX XXXX who is the ONLY XXXX in Consumer Relations, who claims to have no direct line for contact nor any ID # claims that he can not 'guarantee ' to process my request and follow up with me to confirm that the consumer statement has been added. 
Also, I have made well over XXXX demands to remove the fraud alert, albeit temporary or extended, from my credit report. Equifax has repeatedly claimed that the fraud alert was removed. See attached credit report dated XXXX XXXX, 2015 which displays an 'Extended Fraud Alert ' and conspicuously so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Robo calls sometines as much as 6 to 8 times a times a day XXXX ( XXXX ) XXXX, constant spoofed numbers XXXX ( XXXX ) XXXX,,,, those are some of there numbers with same area code as mine it says XXXX XXXX. I believe it is debt collector and I am on the do not call list. Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I recently ended a Ch. XXXX bankruptcy and have been trying to bring my mortgage current or have it modified. I attempted to make payments on the loan on line but was restricted from doing so and was advised that as soon as they audited my Ch. XXXX payments they would notify me with a total and help make arrangements and until that time they would not be able to process payments on the account. 
I was sent the updated total by mail and attempted to contact them by phone. I have made many attempts to contact them at the number they provided, but have either been disconnected by their automated service while entering requested information or when I finally reach a operator they ca n't " hear me '' and disconnect. I have also attempted to make phone appointments with them via their website but am told my " session has ended '' when I click the submit button. 
Today they served me with a foreclosure notice and I have been once again been attempting to contact them for the last several hours with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (CO).
Issue: Application, originator, mortgage broker

Complaint: On XXXX/XXXX/15, my wife & initiated a refinance loan application with Quicken loans. Quicken collected {$400.00} good faith fee and shortly thereafter an appraisal was completed on our home. The appraisal determined that some repairs were necessary to satisfy FHA loan requirements. We obtained bids for the repairs and, then, submitted them to Quicken Loans with the request that the cost of these repairs, {$6200.00} be paid from the loan proceeds. In addition, we indicated that we would not move ahead with the necessary repairs, because of the cost, unless Quicken loans confirmed this would satisfy the requirements to close the loan. We received assurance that this would resolve the issue so the loan would be closed, the contractor paid after closing. We had indicated that we would not and could not move ahead and authorize these repairs unless we had assurance from Quicken Loans that this would result in a closing of the loan with the necessary payment to the contractor. We do not have sufficient available funds ourselves to pay for these repairs and we, therefore, requested assurance that this would allow the loan to be promptly closed and the contractor paid. We received several such assurances from representatives at Quicken and, therefore, authorized the repairs. Now, it is over 3 months later, the repairs have been completed and reviewed by the appraiser and Quicken refuses to honor their commitment to us. The contractor wants to know when he will receive payment for his work and we are in the embarassing positon of not have a good answer for him. Quicken has left this in limbo for several months and, seemingly, will not honor their commitment to us. I have assurances from them in the form of emails as well as a confirming email to the contractor on this matter that I copied Quicken loans on over 2 months ago when the repairs were initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a Business Check written to myself for the amount of {$700.00} on XXXX XXXX XXXX. I received written notice that my deposit would be released on XXXX XXXX XXXX. As Such, the money was released into my account but then removed from my account immediately. Then another letter came and said my deposit would be held until XXXX XXXX XXXX due to the funds possibly not being in the account. I just spoke with the bank that the check was written on, XXXX XXXX, and they confirmed the check cleared their bank on XXXX XXXX XXXX. This hold has caused me to be late on my rent, my cable and my internet payments. Causing over {$100.00} in late fees that I will now have to pay because Bank of America will not release the hold on my account until XXXX XXXX XXXX. 

PLease help me get this resolved as Bank of Ameria will not release the hold. I have tried speaking with them and I wll be calling them back again. 

Thank You XXXX XXXX XXXX XXXX XXXX Client

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 04/19/2016 about Credit card () with U.S. BANCORP (MD).
Issue: Delinquent account

Complaint: US Bank did not refund annual fee when I closed account back in XXXX, XXXX. The fee remained and started accumulating late fees/penalties. Balance is now {$200.00} and should be XXXX. Also shows up on credit report as delinquent and 90+ days past due. They say that I closed the account in XXXX, XXXX. I closed the account in XXXX, XXXX. Account should n't be past do at all.

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 09/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage has repeatedly given me the same point of contact who never returns calls who is XXXX XXXX. I have yet to be able to speak to him regarding my Hamp 1 offer. Also, they have ingnored my right to appeal and meanwhile I am accruing interest on the loan I can not afford at 10. 5 percent interest only. I want to keep my home of 20 years as primary residence but they continuously make a ridiculous payment offer for me that exceeds XXXX percent debt ration. I am requesting a lower interest rate than 3.5 percent and a 40 year fixed payment including escrow on the loan amount of XXXX and waive the XXXX in interest while they have intentionally denied my requests to get payment below 600 month and waive the interest. In addition, they refuse to send my refund check out to me for excess escrow in 2010 of almost XXXX dollars. I get the run a round every time I ask for it. They have incorrectly calculated my debt as I told them due to medical reasons I got behind and that I am not paying any debt on the credit report but they refuse to manually underwrite the loan as I request and keep trying to qualify me on the automatic payment of XXXX which my income is less than XXXX per month. I am requesting them to lower the interest rate to 2 percent and recalculate my modification offer to get the payment lower as the insurance lowered to half that but yet they did not recalculate the payment offer. 
My loan number is XXXX. I feel they are intentionally making it difficult to keep my home. Please assist me in my modification process, returning my escrow to me they should not be keeping as it is overage, and reducing the accrued XXXX in interest while they intentionally make it difficult to get the Hamp 1 modification. Also, in requesting a new loan single point of contact as I feel I am being discriminated against because of my age and race. This is a interest only ARM and I was not explained how that loan is calculated by anyone when I received the loan approval. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MT).
Issue: Loan servicing, payments, escrow account

Complaint: 1. I have a loan through Freedom Mortgage that is 3 years old. In XXXX I put XXXX on my loan balance which took the debt ratio below 63 %. When I originally secured my loan I was told that when my balance/ debt ration was below 78 % the PMI would automatically be dropped from my loan payments. I contacted Freedom mortgage and they told me I had to have an appraisal done through THEIR company. When I I received the appraisal estimate it was {$780.00}! I paid {$500.00} for my original appraisal when securing my loan three years ago!!! I asked if I could contact the original appraisal company and get the original one updated they denied my request. This has been dragging on since XXXX. It is extremely difficult to EVER TALK to a Person who make decisions if you are lucky enough to get a real person. In their phone system they initially identify me by my phone number linked to my loan number but am required to re-enter them both in XXXX more times before talking to someone!!! Then they open a ticket and send you a letter in 10 days. This has happened twice and two other times I was promised a call deadline to discuss the situation but never received al call!!! 
This has drug out for 4 months of additional {$99.00} PMI payments!! {$400.00}!!! 
I have NEVER been late for a payment and have a very HIGH credit score.

Company response to consumer: Closed with explanation