milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (DE).
Issue: Trouble during payment process

Complaint: 1. On XXXX/XXXX/XXXX a telephone call was placed with Specialized Loan Servicing to make a partial payment on my usual monthly mortgage. The amount paid was {$XXXX}. The customer service representative took the payment. 
2. I received confirmation in the mail shortly there after about receipt of that payment - confirmation XXXX. 
3. Today, XXXX/XXXX/XXXX I wanted to make another {$XXXX} payment through their website and noticed that payment of {$XXXX} was not applied to the the XXXX 's monthly mortgage amount of {$XXXX}. 
4. When I called today - XXXX/XXXX/XXXX - and spoke to a payment representative, their response was that the amount was applied to the " principal ''. I DID NOT WANT THIS APPLIED TO THE PRINCIPAL. 
5. I specifically wanted this applied to the mortgage payment - and they took the payment without any notation that it would NOT be applied to the mortgage. 
6. The representative said they can not give " ADVICE ''. Well advice is defined as " guidance or recommendations concerning prudent future action, typically given by someone regarded as knowledgeable or authoritative ''. 
7. REFUSING to apply my payment to the mortgage is not advice. 
8. Telling me it can only be applied to the principal is not advice. 
9. IF that {$XXXX} payment would not be applied to the monthly mortgage amount they should NOT have accepted my payment. 
10. NOW I am fraught with paying 2 months of mortgage payments on a monthly social security amount which barely covers mortgage and public utilities. 
I ca n't do that. 
11. SLS should NOT have accepted my payment as I directed if " legally '' it would not get applied to my mortgage amount. 
12. NO advice had to be given ; just a " refusal '' of my payment. Informing me that partial payments will only get applied to principal is also NOT advice. ITS their policy or bankruptcy law. 
13. NOTE : advice is given according to the definition by someone " regarded as knowledgeable or authoritative ''. THIS SLS representative should no signs of knowledge, did not communicate with me effectively in this matter, and ultimately I am now the scapegoat.

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 08-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a parent plus loan I obtained for my son around XX/XX/XXXX. I am confused as to exactly what kind it was now, but it was for {$25000.00}. I made monthly payments faithfully beginning after his college graduation in XX/XX/XXXX. In XX/XX/XXXX I filed bankruptcy, but it was never confirmed and therefore dismissed in XX/XX/XXXX. After the dismissal I called the loan company ( XXXX XXXX ) to inform them I wanted to resume payments. The account is now with Navient. This company says they have " no record '' of payments prior to XX/XX/XXXX when they received the account. 
I called Navient at XXXX on or about XXXX XXXX, XXXX. The representative told me had to send PROOF of payments. I did, as payments were verified by the bank manager and properly stamped. I mailed an accompanying letter to Navient to the address they provided requesting a balance review and reduction. I have made XXXX calls and nothing has happened. All I have been sent is their " payment history '' which only goes back to XX/XX/XXXX!? 
That is not what I asked for. I have the requested proof of payment all the way back to XXXX. What is the problem? 
This loan is grouped with other private loans through XXXX XXXX that I began repayment for in XX/XX/XXXX. I could not check both boxes at the top but all are/were consolidated and grouped together now with Navient. Why have n't my previous payments been included as far back as XX/XX/XXXX? I want my balance adjusted reflecting all past payments back to XXXX XXXX. I have provided the proof!

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear CFPB, I have now complained about unauthorized hard inquiries through the CFPB and directly with Experian by mail and the entire issue has gone too far and I 'm getting ready to sue both Experian via class action and the companies who made the hard inquiries. As I indicated XXXX times before I only submitted applications this year that guaranteed a soft pull with the exception of a recent inquiry from XXXX XXXX. I have attached and circled in red the inquiries which were " never '' given any type of permissible purpose and clearly stated soft pull on the applications. According to the FCRA and language written on the front of the Experian report a soft pull is not shared with others. I as the consumer should not be harassed and treated like a ping pong ball with both Experian and the original initiator of the credit inquiry giving evasive answers and leaving me with the damage. They did not have any type of permissible purpose in this universe that allowed them to change a soft pull to a hard inquiry. I have been misled and dislike getting the same answer from Experian who prefers to defend the original inquiry because this means money for the company! I 'm tired of being pulled back and forth from both sides.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (AL).
Issue: Problem with fraud alerts or security freezes

Complaint: I was a victim of Identity Theft this summer. I thought it was over in XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had 4 new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!

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 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian never does a investigation properly. My accounts shout show {$0.00} balance in chapter XXXX. It reports I owe an amount even after it was disputed with XXXX. They have a XXXX account from a discharged chapter XXXX account in 2012 from which is still being reported as negative, when it should have been removed. I have XXXX pages from an investigation that was supposedly done and only XXXX accounts are shown. My energy bill was sent in where it shows I was not late on payments, but it 's shows that I was late on even more months then when it was first reported ... .The other credits have taken these accounts off or fixed the incorrect area that Experian is still reporting wrong. As the attachments show, Experian has XXXX accounts listed either updated or remains but only XXXX are shown

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I already contacted XXXX & XXXX and Spoke with XXXX to make sure I was up to date, Froze my Credit with the first two ... .I can not get ahold of " THE PROBLEM '' EQUIFAX !!!! Their phone # 's provided on line hang -up on you or do the " doo-doo-doo, They are like no longer active! I took a Trip off work to protect my self and at thispoint ... .I am totally XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are a lot of inquiries on my credit that are n't from me and they refuse to remove them

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Good DayMy Identity Has been stolen, and somebody tried to open a Bank accounts, Credit Cards in my name, when i submitted Dispute to credit bueraus they are refusing to delete that errors from my fileBELOW GIVEN THE NAMES OF FINANCIAL INSTITUTIONS WHICH ARE ON MY CREDIT FILE AND THEY ARE FRAUDELENTLY OPEN UNDER MY NAME!!!1)  XXXX XXXX XXXX XXXX XXXX  - Date reprted XX/XX/XXXX2) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3) XXXX XXXX  XX/XX/XXXX4)  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX5)  XXXX XX/XX/XXXX 6)  XXXX XXXX XXXX XX/XX/XXXX7)  XXXX XXXX XXXX  XX/XX/XXXX8)  XXXX XXXX XXXX  XX/XX/XXXX9) XXXX XXXX XXXX  XX/XX/XXXX10) XXXX XXXX  XX/XX/XXXX11)  XXXX XXXX/XXXX XXXX XX/XX/XXXX12) XXXX XXXX XXXX  XX/XX/XXXX13) XXXX XX/XX/XXXX14)  XXXX/XXXX  XX/XX/XXXX15) XXXX XXXX., XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Upon graduating, I notified Wells Fargo to initiate repayment. {$55000.00} in private student loans became over {$75000.00} instantly as they added interest all the way back to day one. I did not know that this was going to happen. My payments between private and federal loans are {$1200.00} per month. I earned a XXXX degree in XXXX and bring home $ XXXX- {$800.00} per week. I can not afford to support myself in these circumstances.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: XXXX / XXXX / XXXX  I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the  XXXX  credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since  XXXX / XXXX / XXXX . The court order states that I pay  XXXX  a month and I pay more than  XXXX  a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the Depar tment of Economic Security and was advised that I am current in my child support obligation. I have 50/50 custody of our children and am being penalized as a responsi ble Father, my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient now requires me to input my social security number or account number before login. This was not previously the case. Additionally, they do not send you any information containing your account number by mail or email. Many people do not feel safe giving out SS number over the phone or online and this results in many people, including myself, who are locked out from accessing their loan documents. Customer service will not allow you to verify identity with any other information. They state that they are following DOE guidelines. These guidelines are, for lack of a better word, XXXX. I may now be permanently locked out of my account. This antiquated DOE guideline was ill-planned and needs to be rewritten.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Credit card) with WELLS FARGO & COMPANY (NV).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I enrolled in an automatic payment program with Wells Fargo to catch up my past due balances. THEY were the ones that failed to enroll me in automatic payments after I made my XXXX time payment over the phone. They had my verbal consent to make automatic payments and had my routing number and bank account number to pull the funds from. It was their clerical mistake that they " forgot '' to enroll me in automatic payments. Now, they call me repeatedly and refuse to admit their wrong doing. This morning, a woman named XXXX called me on my work phone, which I have NEVER given them. I told her it was inconvenient for her to call me at work and she continued to harass me and pressure me to make a payment. 

I have tried repeatedly with wells fargo to explain that I was unable to make my payments due to a large decrease in pay. The only number they have on file is my cell number, XXXX and they called my work number, which I have never given them, which is XXXX. A woman named XXXX calling from XXXX was very rude and I asked her NOT TO CALL ME AT WORK and asked her how she got my work number. She proceeded to pressure me to collect debt when I have tried several times to reconcile with Wells Fargo given my current financial situation. I told her I was going to report her because her treatment toward me was not compliant, and she proceeded to pressure me stating that she needed to collect my debt.

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 04-05-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (DE).
Issue: Problem with the payoff process at the end of the loan

Complaint: I have a XXXX XXXX line of credit with Wells Fargo. I have two different lines, one with a balance that gets charged interest and a no interest special terms balance. 
The issue is with the no interest special terms balance that needs to be paid in full by XX/XX/XXXX. I spoke to a customer service rep last in XX/XX/XXXX wanting to pay off the special terms balance. I was told that any amount that I pay over my minimum payment due would be applied to the special terms balance. My minimum due was {$210.00} and my special terms balance was {$190.00}, on XX/XX/XXXX I made a payment of {$400.00} to pay off my special terms balance. 
I received my XX/XX/XXXXstatement and found that Wells Fargo applied my over payment to the interest charge balance NOT the no interest special terms balance. 
I have no way to pay off this non interest special terms balance before the due date and will be charged all the past interest. I am being set up for failure and Wells Fargo will profit on all the accrued interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Debt collection (Medical debt) with Medical Business Bureau (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called The Medical Business Bureau Since its affecting my  credit score with a  collection i do not owe ... i asked them to review the information on file and compare it to my social security number and they said it didnt match ... i asked them to have it removed immediately and so far nothing has been done ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for re-modification loan file with Bank Of America starting months ago with my husband but was decline with my husband due to LTV/ratio and was told was qualified to do a short sale ; however due to changes in my marital status, I re-applied on my own immediately right afterwards. Bank Of America still had all my information from previous loan application submitted with exception of the separation/divorce agreement ; however other than my processed application, Bank Of America kept requesting the same information over and over again that was given previously one being the XXXX. I sent them the actual Tax Returns XX/XX/XXXX and the signed XXXX a few times. They requested the my HOA information a few times after I forwarded this information to them and all this was before there was a Foreclosure date of sale date on my home. After all this I finally received a letter in the mail stating that my home was schedule to be foreclosed on XX/XX/XXXX and at this time the only document underwriter was awaiting for was my Separation/Divorce Agreement I sent the a copy of the agreement but it was signed to show proof of my situation. Prior I spoke to a Manger who informed me while speaking with underwriter that only document awaiting was the Separation/Divorce Agreement to complete the review and postpone the Foreclosure on my home, I forward the information once signed and notarized on XX/XX/XXXX from my attorneys office as requested and received fax confirmation that documents were received with all the pages. I called Bank Of America per instructions to verify and Representative stated they did n't receive the documents even though I had a confirmation stating they did. I refaxed and was told by XXXX XXXX that I was too late and possibly the foreclose will still go through even though I was told by Office Manager that once I faxed the required document needed the Foreclosure will be postponed to allow the Underwriter to complete review and inconveniently non of the conversation I had with the Office Manger was documented within the system per XXXX XXXX that happened on XX/XX/XXXX. I 've been given nothing but the run around when seeking assistance with trying not to lose my home with the constant request of documents already given and having to keep giving the same application information like my income which was done on previous application and new application entered only to receive no help. I do n't know what else to do. If I lose my home I do n't have anywhere else to go.

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 03/22/2017 about Consumer Loan (Installment loan) with ZENCO COLLECTION, LLC (TX).
Issue: Taking out the loan or lease

Complaint: zenco collection company calling my place of employment at three times or more per day, after i have requested them to contact me by mail

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with loanDepot.com, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: LoanDepot broke the law regarding releasing the escrow balance from my account after i paid the loan in full. 
The requirement is 20 days total, not 15 business days as stated by them. 
My mortgage was paid in full on XXXX XXXX, 2016. Today is the XXXX day, and i still did not receive the escrow funds. 

XXXX Timely escrow payments and treatment of escrow account balances. 
( a ) Timely escrow disbursements required. If the terms of a mortgage loan require the borrower to make payments to the servicer of the mortgage loan for deposit into an escrow account to pay taxes, insurance premiums, and other charges for the mortgaged property, the servicer shall make payments from the escrow account in a timely manner, that is, on or before the deadline to avoid a penalty, as governed by the requirements in XXXX ( XXXX ). 
( b ) Refund of escrow balance. ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control.

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