milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: This complaint is in regards to Wells Fargo. I had made many attempts to try to resolve the issues and catching up with my payments with Wells Fargo. However, things are not working out and I am being given a hard time. As I'm trying to make the payments to them I had ran across some difficulties. While I tried and good faith to give as much as I can to Wells Fargo is still was not enough for them. I was promised by Wells Fargo that they will work with me. However, I started to learn that Wells Fargo was doing things behind my back without my knowledge. 



I am facing foreclosure when I thought I was working things out with them. I had some setbacks. One with my young daughter ending up in the hospital in summer and fall, and having to run many tests for months. Back in XX/XX/XXXX I was hospitalized and needed a XXXX XXXX. I was not able to work for a while and slash or do things that I needed to do the job. Causing me to fall further behind on the mortgage payments. I am still in XXXX XXXX after the XXXX. Which I am currently under the doctors care until I completely heal. 



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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 10-04-2016 about Debt collection (Medical) with LK Manley, Inc (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a ambulance fee of {$430.00} from XXXX XXXX 2013, I had Insurance when i used this service. I just noticed it was on my credit so I gave them a call and told them i had insurance when i used this transportation service and that they did not run my insurance card, she informed me that It was way to late for insurance information to be given and that I had to pay this fee to collections. It js there fault for not running my insurance card and now i am stuck with an unpaid balance of {$430.00} on my credit. I never knew i owed them any money for this service until I started getting collections notices from this company

Company response to consumer: Untimely response
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In the month of XXXX I noticed that all my inquiris were deleted and I looked again today and they are back on my report..which caused my credit score to decrease..

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX insurance. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX insurance paid XXXX XXXX  in full. I have already disputed the information with the company and the status just states at investigation open and nothing is ever done because they say they can't read the documents provided

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have filed a dispute via phone to Transunion to correct this information so it can accurately reflect on my credit report. 

I received a copy of my credit report and I am disputing some items that need to be corrected. The following 3 accounts WERE NOT DISCHARGED in my Chapter XXXX bankruptcy. Please add these accounts back to my credit report. Please correct the balances (the balances are NOT XXXX). Please correct the date closed (these accounts are still open). Please remove the remarks (accounts were not discharged in Chapter XXXX bankruptcy). 

#1: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX
 
#2: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX 

#3: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date ClosedXXXX XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX

These are federal student loans debts that WERE NOT discharged in my Chapter XXXX bankruptcy. My bankruptcy was discharged in XXXX. Until last week  the above accounts were reflecting correctly (correct balances and open accounts and not discharged) . Due to the actions of Transunion of inaccurately closing these accounts my credit score dropped 80 points.

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 03/14/2017 about Credit reporting () with National Credit Systems,Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was living in a apartment in XXXX texas in XXXX.once i move in i was taken a shower and rust came out this was a on going problem. the manger kept tell me it would clear up but it got worst. i had to start taking a shower a the XXXX because it was so bad. so after awile they told me they will give me a new apartment and the same thing. i paid up and they said we were up to date but when moving out they came up with all kind of charges, i was never late on my rent and a good tenteat.i have all the pictures and i am ready to back up all my claims.i was done wrong and now my credit have a mark on it. i am ready to dispute this report and ready to back up this claim with pictures and recepits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Taking out the loan or lease

Complaint: A few years ago I purchased a 2008 XXXX XXXX from XXXX XXXX in XXXX, Illinois. The finance department obtained a loan from Ally Financial for the amount of XXXX after tax title and license. When I attempted to trade the vehicle into a different dealer I was told that because of the title issue prior to my purchase the vehicle was worth XXXX. When I complained to Ally Financial asking how could the insufficient vehicle as collateral for the loan. They stated that LTV was negative yet they authorized the purchase price therefore I would have to pay the debt over a 6 year period which would cost me {$44000.00}. I requested a refinance and they stated that I would have to pay the inflated amount for 3 years before a discussion could be pursued. XXXX XXXX misrepresented the LTV and Ally Financial paid them versus doing sue diligence and me as the consumer is left holding the responsibility,

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 01/24/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I sent a wire transfer of {$68000.00} via XXXX XXXX to XXXX ( Part of Coinbase ), which arrived at their bank account in XXXX XXXX NY. The funds were confirmed transferred and a wire return has not been initiated, but the funds were not made available in my XXXX account. 

I 've contacted Coinbase/XXXX by multiple means. I 've submitted a claim on their website, called in, and escalated my case via their services, but have yet to hear back about my money. 

My Case Number is # XXXX, and that should provide all the information that is necessary for the company to identify me and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Our home loan is a balloon, we knew it would need refinanced and worked hard for two years to build a good credit score to prepare for the refinance, when it came time to refinance we had a great score but was shocked to learn that we are underwater and lenders would not finance the full amount. The first step we made was talk to the mortgage company and ask for a modification of the loan by either extending the length for a few years to 30 yrs, at least until we could wait out the value decline and hopefully improve value as well. We were immediately declined because " We both have jobs and can afford our monthly payments '' to which we completely agreed except for the balloon has now matured and we are not allowed to make payments. We then found a company that would refinance at the value that was stated by Mortgage company and submitted it as an offer of settlement. Example home mortgage owed is XXXX we offered XXXX the mortgage company kept sending letters that it was under review and had us wait even longer ( no payments allowed to be made ) We are not going to look good for our credit now. Today I was told simply the lender wants full amount, we do n't have liquid assets to make up the difference we explained that. No explanation as to why our settlement was declined. I was told our next step could be Deed in Lieu.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Trouble during payment process

Complaint: My mortgage got transferred to Nationstar Mortgage in XXXX 2015. This company is now accusing me of non-payment and arrears and have reported to the CRAs 15 times for none or late payments. My bank and I have proof of payments on my bank statements. No payments have ever been missed. This company has totally messed up my credit and caused me two years of stress and heartache. I  automatically pay my bills every two weeks without fail. In addition I have contacted the company many times without fail and most of the people are rude and tell me Just pay it! If you get someone who tries to help you, you end up getting another letter threatening to take your home. I cant believe them anymore because they have lied so many times I thing they are scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I innocently switched my mobile phone carrier from XXXX XXXX XXXX to XXXX and Without my permission or knowledge XXXX did a Hard inquiry on my credit report which has Negatively affected my credit score. I called XXXX and asked if I paid off the balance of the phone I was financing and brought my account to a XXXX balance, would they remove the inquiry. They said yes so I immediately paid off the {$660.00} balance and they put me on hold only to return to tell me that They could Not and to contact transunion. I contacted Trans union and they said that they needed a letter of deletion from XXXX. I called XXXX again and they said No and referred me to this website. 
This is Not fair because XXXX DID NOT DISCLOSE THEY WOULD RUN MY CREDIT WITH A HARD INQUIRY. If they had then I NEVER WOULD HAVE SWITCHED MY CARRIER!

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 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Revenue, Inc (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Eastern Revenue is continuously calling me to collect on a debt that is already being paid to the collector through XXXX XXXX XXXX, XXXX XXXX, XXXX ext. XXXX. The debt has been paid six consecutive months with a payment plan in place on a monthly basis. I have proof of said payments via canceled checks front and back and XXXX XXXX College has been receiving their money. I have contacted XXXX and spoke to XXXX XXXX XXXX, bursars office, whom has confirmed receipt of the payments and that XXXX has not had any communication with or does not know whom Eastern Revenue is. Eastern Revenue has not sent me any written documentation with regard to the debt and I continue to receive calls from XXXX XXXX XXXX. Eastern Revenue has now put this information on my credit report and has tainted what I have been working so hard to maintain in good standing. I have contacted Eastern Revenue and all I get is that I need to make payments over the phone in order to take care of a debt which is already being taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I consolidated my loans originally in 2007 for a certain amount. After I consolidated and signed my consolidation papers, the servicer added an additional {$100000.00} into the consolidation without my knowledge or approval. Now Im being forced to pay for loans that I didnt take out.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've requested Validation of the alleged debt owed and they only continue to send me the same canned response collection letters and collection letters in another language, looks like XXXX, which only tells me they are ignoring my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was having a hard time paying my student loans. I was trying to make payments as I could each month but was not able to pay the full amount some months. I missed a few payments due to financial hardships. when I attempted to call Navient to come up with a financial plan, they told me the amount i was supposed to be paying was the fixed rate and would not lower my monthly payments, even though i could not afford to pay that rate. Navient then cancelled my co-signers credit card which also cancelled two other family members credit cards. This negatively affected both my cosigners credit scores and reports, as well as my own. I then got approved for a payment plan from navient, however when navient reviewed my income, they also included my cosigner and their spouses incomes when figuring a monthly payment amount. My cosigners are not assisting in paying this loan, they are " cosigners '' only obligated to pay if i can not and default on the loan. Navient has done nothing to help me attempt to get back on track with payments that i can actually afford. My income is too low to pay the amount that Navient has specified. After Navient enrolled me in this " repayment program '' they did adjust the payment slighty, but still not affordable to me, due to the inclusion of my cosigner and spouses incomes. Navient also told me that this new amount would only be temporary and the rate would go back to the " fixed amount '' in a few months. I have recently changed jobs with a lower income, and navient told me i was not eligible for any payment plans based on my new income.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Non-federal student loan) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans were consolidated into two payment groups A and B and are combined for monthly payment purposes. In additional to my monthly payment I have been making principal payments to loan group A and not advancing the due date. Nelnet recently recalculated my monthly payment to a lower amount. I did not request that the account be reviewed or adjusted, and I had not paid off any of the loan groups to warrant a reduction in the payment. The only benefit of Nelnet doing this would be to ensure that they maximize the interest payments made on the loan. If I were to start making these lower monthly payments, then the term of the loan ( in months ) would remain the same and Nelnet profits from the full interest paid. I realize that I can pay the difference in a manual payment per month but I have an issue with the continually dishonest practices of this company. They clearly saw that the principal was being paid down on the loan and re-calculated the payment amount to better themselves financially. Is it even legal to do that for no reason? At some point during these principal payments Nelnet advanced the due date of my loan out to XX/XX/2021 which is NOT what I requested. I specifically choose the do not advance the due date button when I made these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had requested a mortgage modification to see if the interest rate could be reduced. That was XX/XX/XXXX. I received a packet from XXXX with all the forms that were necessary. The forms were filled out and returned to J.P.Morgan / Chase using the return envelop that was enclosed. Then XX/XX/XXXX I was informed that the information needed was incomplete and had to re send information by their FAX line. This was done within a week. XX/XX/XXXX comes around and another packet of paper work arrived by XXXX. This was third time I had to fill out paperwork for them. Have not heard a word from them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I just got off the phone with a rep from Experian checking on the status of a dispute submitted back on  XXXX   XXXX  via mail certified return receipt request and she stated that my dispute was not received and the last dispute the see was from  XXXX   2017 . So now I am confused because someone at  XXXX  signed for my dispute so i am not sure if it was discarded. This is upsetting me because if someone mails in a dispute it needs to be acknowledged and worked on. I am attaching a copy of the dispute sent which was the second request. i will be sending  a 3rd requ est this week if there is no resolution.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  has reported that I have a store credit card with them and it just hit my credit reports. I do not have a  XXXX  card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX,2017 Navy Federal Credit Union Transferred {$710.00} from my savings account to my home improvement loan with out my permission and refused to put it back even after I told them the money was for personal things given to me by my lawyer to live on until about the XXXX of XXXX when my settlement comes in and I intend to pay off my loans in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Starting near the beginning of  XXXX , I have been making multiple requests to change my payment due dates to coincide with the  XXXX  of the month. FedLoan Servicing promises that these will be processed with in ten busin ess days, but has failed to do so time and time again.     More rece ntly (   XXXX   XXXX  or  XXXX  ), I have begun making daily requests about this issue, all of which have gone unanswered or unnoticed. They simply refuse to get back to me at all.

Company response to consumer: Closed with non-monetary relief