milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am the parent of a previous college student who applied for and was given several student loans by Wells Fargo to attend the University XXXX. I was asked to co-sign the student loans which I did. The loans varied in amounts - usually around {$10000.00} - and the interest rates also varied but averaged about 8 %. 

In about 2013 or so, there was public outrage over the high interest rates that college students were being charged, and so Wells Fargo contacted ME to see if I would be interested in consolidating my son 's student loans with a much lower interest rate. I said of course I would. So with the understanding that everything besides the interest rate would basically be the same - the outstanding amount, the term, and the fact that I would still be a co-signer guaranteeing the loan - I signed and returned the documents that were sent to me. 

During the early years of the loan, my son was still a student and had no source of income. So I paid the entire monthly balance myself. For about two years after he left college I continued to make the entire payments since I was the co-signer. Because I was not the student, however, I was not entitled to any income tax deduction for the amounts that I was paying. 

In the last year, my son has become employed and is now capable of making the student loan payment payments himself and receiving the income tax deductions. So I contacted Wells Fargo and asked that the request for the monthly loan payment be sent to him instead of me. I knew I would continue to the be the co-signer and guarantee the loan, but he now needed the income tax deduction for the payments he would be making. Wells Fargo responded back to me saying that when the student loan was consolidated, I agreed to be entirely responsible for the loan and that my son was no longer responsible for payment. 
I told them that I NEVER agree to be totally responsible, especially for a student loan where I was not the beneficiary ( the student ) and for which I received no income tax deduction for my payments. After discussing this with the Wells Fargo Student Loan people for several weeks, they would not budge and will not recognize my son as the legitament holder and beneficiary of the loan. He was the student, not me. He is entitled to the income tax deduction for payments, not me. Please help.

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 03/29/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out XXXX loans in XXXX and XXXX to supplement my federal loans. The total was {$8100.00}. My Dad helped me out and paid the set payment fee for two years ; this was approximately {$80.00} a month split between the XXXX loans. The interest rate has constantly changes around XXXX depending on which loan. It has now been 10 years and I have barely made a dent on the loan. As of XXXX XXXX I was told I would have XXXX more months of repayments-14.5 more years at {$65.00} a month. I am not the best at math but with an interest rate at 4 % I would have {$230.00} in interest a year, {$19.00} a month and yet, when I have been paying {$100.00} a month ( recently ) only {$43.00} knocked off the balance. Where does the other {$57.00} go to? 29.6 % interest? As of XXXX XXXX they started combining the loan information onto XXXX statement. Then I noticed that my payment statement shows the {$100.00} payments but that only {$55.00} has been applied each month. I do n't know where the rest of the money is going to. When you call AES you get mysterious hang ups/long wait hold times over an hour, etc. A person is given the run around. my loan balance is {$5700.00} from {$8100.00} in 10 years of payments! That was {$7200.00} ( at least because multiple payments over the monthly payment due ) in that time period. If my calculations are correct, interest at 4 % on the principal balance to start would have been {$320.00} a year which of course decreases with payments. Even with that, that would be {$3200.00} in interest over 10 years meaning I have paid ( at least ) {$3900.00} off on my loan. Yet, according to my statement I have only paid off {$2300.00}. Please help, I am doing all I can to be responsible but this is disheartening on top of the federal loans I have to shoulder. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (I do not know) with Law Offices of Robert J. Colclough, III (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I 've never received anything from this collector regarding this debt or right to verify or dispute it just appeared on my Credit Report out of nowhere i sent a letter to the address on my credit report address no response there is no phone number attached to the collections or the original debtor to verify and it dropped my score and I would never let XXXX which the alleged amount of the debt ruin my credit.

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 11/16/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification or other options to avoid foreclosure, but was denied help. My lender said I didnt meet the qualifications for help. First denial because I did n't make enough money then got a higher paying job and reapplied and now Second denial because I can afford my mortgage. However, they refuse to help with a repayment plan or modify my loan to add the missed payments to the back end of my loan. They say I 'm 15 months behind but that 's not so because my last payment was XXXX. Under a unemployment program. Since then I have appealed and filed a complaint with Wells Fargo XXXX XXXX in the consumer finance complaint recovery group and I have yet to hear from anyone in weeks. Yet they continue to move my foreclosure date or suspend it while under review month after month. My fear is that they are letting it go so that I 'm too far behind for help. I have offered to pay XXXX in back payments which is half and the rest in payments over the extent of my loan or add to the back end. They said this changes everything and will submit for a new review but yet have n't heard anything from anyone. I last spoke with my loan XXXX XXXX on XXXX/XXXX/XXXX and XXXX with the XXXX XXXX XXXX XXXX  complaint office XXXX My Home Preservation XXXX is XXXX XXXX Wells Fargo XXXX XXXX | XXXX Home Campus XXXX XXXX XXXX Floor XXXX XXXX XXXX XXXX, IA XXXX XXXX # : XXXX XXXX XXXX ext. XXXX Fax XXXX XXXXXXXXXXXX XXXX is my contact in the XXXX Consumer Complaint Recovery Offices XXXX Ext. XXXX XXXX Wells Fargo 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 non-monetary relief
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent XXXX And Experian multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home equity loan with HSBC Mortgage Service Center XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, Mt XXXX, NJ XXXX ). On XX/XX/XXXX, 2013, I made a XXXX check payment of {$6000.00} towards my loan. According to HSBC 's payment policy indicated on their payment coupon, any amount above the monthly payment will be applied to the principle, but HSBC wrongfully apply the extra amount to XXXX times of interest and principle. I called them on this mistake, they admit this mistake, but intend to confuse me with mistaken calculations. This practice is absolutely not acceptable! The amount they should deduct from my account 's principle is {$1300.00}. Please instruct them to correct this mistake ASAP. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX I became a Co-signer for my daughter on a XXXX XXXX Student Loan. At that time I believed this Loan was a Federal Loan and that XXXX XXXX was the supervising agent for the government. In XXXX my daughter obtained a second XXXX XXXX Loan using my brother as a cosigner. These XXXX loans totaled {$38000.00} at 10.553 APR. Currently the unpaid balances on these loans total XXXX my daughter was in school I was able to stay current with loan payments but in XXXX my daughter graduated and the total payments per month on the XXXX loan payments escalated astronomically from {$75.00} per month to over {$500.00} per month.Over the past two years, Navient has taken over supervision of these loans. In spite my best efforts to stay current on payments, the loans have gone into arrears. I have tried to stay current on these loans but the increase in loan payments have been too much for me to handle. I am a retired teacher with limited financial resources. I have tried to work out some reasonable terms for repayment of these loans but Navient has only offered limited reduction in the repayment rates. Meanwhile they continue to assess penalties for non payment that are driving the cost of repayment beyond realistic possibilities of my repaying the loans in my lifetime.Now we are being harassed by Navient, bombarded with multiple automated calls, often from what appear to be from outsourced agents in foreign countries who speak little or no XXXX. At this time I feel that my rights as a consumer are being violated and want your agency to investigate the collection practices employed by Navient especially as to the rates charged by them and the harassing tactics they employ. My daughter works XXXX jobs or less than XXXX dollars per hour and is unable to pay off these loans without my help.My wife has suffered with XXXX XXXX or over 12 years and is limited in her ability to work. We are not looking or a hand out. We just want to be treated airly with consideration for our rights as consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I took a out a mortgage in XX/XX/2006. The lender advertised low monthly payments and low interest rates which mislead me to take out a mortgage loan. However, the low monthly payment and low interest rate was never apply to the loan I took out. I tried to do loan modifications but even that has been denied several times.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (MN).
Issue: Money was not available when promised

Complaint: I initiated a transfer through Western Union on XXXX XXXX. I was never given a MTCN to give to the recipient of the money. I called to get a MTCN and was given the incorrect number on XXXX XXXX. When it was discovered that it was the wrong MTCN, it was too late to send the money to the person. I was then offered a refund and was given a new MTCN to use to pick up my refund. I then went with my ID and new MTCN to 4 different Western Union locations to try to receive my refund. I was turned away at each location and was told that I had to call Western Union to figure it out and that they could not find my transaction. When I called Western Union back they said that everything was fine and that I just needed to go pick it up. Seems like theft to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: FEDLoan- I have been XXXX for 8 years. I received a XXXX loan for some XXXX work.FEDLoan is the servicing agency. Although I send the forms in on time for my service year they always find something to deny my application form. example- Principal singed too early ( before the school year was official over ), or I signed too early ( the last days of school are very rushed and we try to get things done early to beat rush ). This date criteria are not stipulated as a problem on their documentation. Also FEDLoan will email me informing me of coming due dates, but will only use regular mail to inform me of their rejections as to prolong lag time between responses, I would assume. How am I going to get a hold of the XXXX? I fulfill my part of the bargain, I want them to fulfill theirs in good faith. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Other mortgage) with UNITED GUARANTY CORPORATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I had applied for a modification with XXXX on my XXXX lien last year. I went to a XXXX non profit agency for help. I misunderstood the counselor helping me and I did not pay payments while I was waiting to hear on the modification. a whole year went by and I kept submitting the requested docs to XXXX for the mod then in XXXX of this year I received a notice of servicing transfer stating my loan had been transferred to United Guaranty. By this time my new counselor with the XXXX office helped me call the new servicer to explain I was waiting to hear on my modification. we spoke to XXXX XXXX with United Guaranty she explained to me that my account is XXXX payments passed due and my balance is {$4000.00}. My payment with XXXX is {$120.00} if you do the math, XXXX payments x $ XXXX XXXX plus late fees. when the housing counselor and I called XXXX to discuss options to bring my account current since XXXX said I would not qualify for a modification. she said I had to pay {$4000.00} and my payments would not go back to the {$120.00}. I do n't understand why if all my information and terms of the loan was transferred this to me means that the current balance, rate and payment would remain the same. we told XXXX on the letter it also states that " nothing else about your loan will change '' I do n't understand why I can pay the 15 months of missed payments and go back to my {$120.00} payment, instead United wants to increase my payments which I can not afford. please help me to work with the new servicer, I just want to pay the pass due and go back to my regular monthly payment of {$120.00} which I had before it was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with U.S. BANCORP (KS).
Issue: APR or interest rate

Complaint: I presently have a credit card with XXXX XXXX in XXXX, Kansas at a fixed rate of 6.90 %. XXXX is no longer going to service the card, but instead is having the card serviced by Elan. I received a letter with the following clarification statement : " Will my interest rate change? 
No, your current rates and terms will transfer to your new account. '' Today I received a letter from Elan stating that the rate would be a 6.90 % variable rate. I have contacted both XXXX and Elan and both state that they can not do anything about that rate change. 
As there are a significant number of cardholders impacted by this change, and many will likely have similar rates, this is going to have a negative impact on a large number of consumers.

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 04-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Credit line increase/decrease

Complaint: I called Capital One Customer Service Dept. and spoke with XXXX XXXX ( Rep ID # XXXX ) and XXXX ( Rep ID # XXXX ) about account reviews and credit line increases. 

I have XXXX credit cards with Capital One ; Last ( XXXX ) digits of " first card is # XXXX '' and " second card # XXXX ''. I asked XXXX XXXX and XXXX on Friday, XXXX XXXX, XXXX at XXXX when was my account last reviewed. I was told that information is not documented on my account and the department that does the review does n't take phone calls. I was also told the only way I could get an answer to my questions regarding account reviews was to write in and wait approximately " 20 days '' for a response. 

Although Capital One ' s Account Management Dept. told me my account would be reviewed annually and if I maintained a good payment history, which I have ; credit line automatically increased. They have failed to honor the commitment. 

The only time I 've received a credit line increase was in XXXX when I called asking these same questions. And, that was only on XXXX of my cards. I have good credit with all of my merchant accounts. 

In fact, as of today my balance on the # XXXX account is {$67.00} and my balance on the card # XXXX is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently reported to the Better Business Bureau that XXXX XXXX was reporting incorrect information to the three credit bureaus ( XXXX, XXXX & XXXX ). After the BBB notified Midland of my complaint, I was made aware that my credit score had  dropped 22 points due to XXXX XXXX reporting a new collection on my credit profile. I have not incurred any recent debt so I contacted the bureaus to inquire about this debt. I was advised that this debt is for the same account number that was being reported since XX/XX/XXXX. XXXX XXXX is reporting this debt as of XX/XX/XXXX, which is considered re-aging my account and is illegal. In addition to this, they continue to report Inaccurate information such as : balance owed, date of last payment and my payment history. I have asked this company to repeatedly correct these errors but all of my request have went unanswered. Im asking for your assistance in stopping this company from continuing to do these illegal practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a old mortgage loan showing up on some title work on a property I am trying to sell. The loan was originally GMAC mortgage company which is a defunct mortgage company now. The property securing this mortgage was lost in a foreclosure and sold, the debt was discharged in a Chapter XXXX bankruptcy. In the research I have done Ocwen Loan Servicing has taking over for GMAC Mortgage company but I have tried contacting them via email and regular mail and have not received any return communication from them. This lien needs to be released so the sale can go through. My only recourse as of now is to file a " quite title '' law suit which could take a couple of months and cost thousands of dollars in attorney fees. There has to be a way I can get a executed lien release on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Consumer Loan (Vehicle loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Taking out the loan or lease

Complaint: XXXX unauthorised charged my Father XXXX XXXX 's Card # XXXX for Refinnce my car at a low rate byOpenRoad Lending who wanted to get credit score on payment of {$1.00} only but they charged on XXXX/XXXX/16 not only {$1.00} but made another {$29.00} ( by XXXX ) as regular monitoring service which was never authorized and was even within 7 days of Free Trial period ( which I did not subscribe ) but XXXX not only refusing to refund but agresively pressurizing by sending repeatedly emails and not even clearly confirming that the service has been cancelled.I suspect it to be Fraud and ID Theft by both XXXX and OpenRoad Lending.The address and contact # ofOpenRoad are XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph # XXXX Web : XXXX.MY Father 's card was closed by his Bank XXXX when they placed the transaction under Dispute.

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