milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: While I could afford the standard payment schedules set with all my student loans, I decided to change as many of my loan payments plans to income-based plans. With this change, I could pay the same total monthly amount over all loans, but all allocate a greater percentage towards the principal of those with higher interest rates. When all loans are fully repaid, the total amount of all interest paid would be reduced. 

I found that some loan servicers did offered income-based alternatives and successfully restructured those with lower monthly payments. However, I believed some did not offer income-based plans since I could not find information available on their websites, including Navient. Recent articles and discussions suggest that Navient was required to have income-based alternatives available. If this is true, then I am one of those misled by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Closing on a mortgage

Complaint: After filing my first complaint due to numerous telephone calls and not getting a response, This complaint is being filed as an additional amount of extensive telephone calls have been made to get information on a  Quiet Title Action th at is currently pending. We need an assignment or a corrective lien release -- We need to know the status of the  Quiet Title Action.

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 01/31/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I received a certified letter informing me about Intent to foreclose. My tenant also received certified letter. Why would Ditech send my tenant this letter when they know where I live? Ditech states I missed a payment in XXXX 2016. They send XXXX sets of statements to me every month with conflicting information. My bank statement showed I 've paid. Ditech 's payment history shows I 've paid. Ditech 's payment page indicates I have not ... Although I have contacted them through their message system, twice, they have yet to get back to me. One would think this is important. Judging by the complaints on this and many other sites, this is a XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: putting improper information on my credit report that is not trues. I ask them to provide me documentation. they said they have to look for it been waiting for months never given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from Transunion only, requesting a bunch of prove-you-are-you data. XXXX  phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.

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 08/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My son, XXXX XXXX, has been XXXX for a number of months & was, most recently, moved from NC XXXX hospital to a facility in suburban XXXX in order to be closer to his family. My name is XXXX XXXX. I am XXXX father as well as his attorney. I am also named as his agent under a Durable Power of attorney. We are currently in the process of cleaning up his affairs & making sure his bills are paid up. One of the few items remaining is a Capital One credit card # XXXX XXXX XXXX XXXX. All I want to do is pay off the card. To the best of my knowledge, the card has been cancelled for non payment. I have spent countless hours on the phone, have sent multiple memos including a copy of my POA & have become extremely frustrated. For what it is worth, some of the supervisors, not all, have been very rude. In my latest conversation, I am being told they want information about me that I feel is inappropriate. For example, they want my date of birth, social security number, proof that I am not a non resident alien, drivers license & gross annual income. ALL I WANT TO DO IS PAY HIS BILL. They finally said I could make a payment but could not tell me how much. I find it ironic that my complaint is I ca n't pay off the card. XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Credit card) with Oxford Law, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Oxford Law , LLC, which claims to represent XXXX XXXX , XXXX on XXXX/XXXX/15. 

The letter says that there an account # XXXX was open under my name ( XXXX XXXX ) with XXXX XXXX XXXX, and there is currently unpaid balance of {$3900.00} associated with the account. It also says that the debt was sold to XXXX XXXX , XXXX, which is trying to collect the unpaid balance through Oxford Law , LLC. 

On the other hand, I do not recognize the account # at all. I pulled a credit report from XXXX because of the letter. The aforementioned account was not listed in my credit report. None of the accounts listed in my credit report has ever had a single late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..

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 12/29/2015 about Debt collection (I do not know) with American Collections Enterprise, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I never give out my work number as I am not allowed calls at work. I received a call today XXXX XXXX, 2015 from a XXXX at XXXX XXXX stating he needed the last XXXX of my social security number or he needed to verify my address I asked who he was collecting on behalf of as the debts I do have I am working directly with the people I owe and have payment arrangements. He stated he is not allowed to tell me until I give him the last XXXX of my social security or my street address. I said you can send me something in writing but he states they did. I have nothing from ACEI in any form of writing, I asked him when he mailed it he said by asking that question I verified my address..???? What? 

He also said he was calling my home number and I asked him to verify what number he had and he told me he can not give out my home number either. So how am I supposed to verify what they are calling me about without giving information to someone I know nothing about?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08-02-2016 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Credit determination

Complaint: What happened and is continuing to happen is that Wells Fargo issues secured credit cards for those with no credit or those hoping to repair their credit. With this offer is often an explicit promise of " graduating '' or getting the {$300.00} minimum deposit returned and being upgraded to an unsecured credit card, often in " one year '' or less. Well it has been a year and a half and every time I call Wells Fargo to inquire about my graduation, I keep getting the run around, which initially meant XXXX of 2016, when I called them back in XXXX. I feel that this product and its many selling point are misleading and deceptive. The bank seems keen on earning interest on ALL those minimum required deposits but less willing to be transparent about when and how the graduation will take place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (VA mortgage) with PNC Bank N.A. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: I WAS ON XXXX IN THE XXXX XXXX AND XXXX, NOW PNC BANK FOR CLOSED ON A HOME THAT I OWNED. I HAD GOTTEN BEHIND DUE TO MARRIAGE SEPERATION AND WHEN THE VA SUBMITTED A LOAN MODIFICATION THE BANK DISAPPROVED. I ALSO FILED A CHAPTER XXXX AND THE COURT ISSUED A REPAYMENT PLAN WHICH WAS REFUSED BY THE BANK. I BOUGHT THE HOUSE FOR XXXX IN 2002. WHEN THE HOUSE WAS SENT TO FORCLOSURE IT WAS WORTH MORE THAN XXXX. THE LAWYERS HANDLING THE PROCESS FOR THE BANK RECEIVED MOST OF THE PROFITS BUT AS FOR A XXXX MEMBER, I WAS AWAY IN TRAINING WHEN THIS WAS HAPPENING. XXXX TOTALLY BROKE THE LAW WHEN IT COMES TO THE SOLDIERS AND SAILORS RELIEF ACT. i JUST FOUND OUT THAT I HAD A RECOURSE BUT WAS TOLD BY THE BANK AND ATTORNEY THAT I DID N'T. BOTH WERE NOT TELLING THE TRUTH. ONCE THE HOUSE WAS PUT INTO FORCLOSURE AND MY LAWYER DID NOTHING TO STOP IT. ONCE I REALIZED I HAD NOTHING OR NO ONE TO HELP ME I ASKED FOR THE CHAPTER XXXX TO BE DISMISSED. THE LAWYER WENT BEFORE THE JUDGED AND PERJURED HERSELF BY SAYING I WAS N'T IN COMPLIANCE WITH THE CHAPTER XXXX AND HAD IT DISMISSED THAT WAY. SHE TOLD ME I DID N'T NEED TO BE THERE. I FOUND OUT LATER AFTER I WENT TO COURT TO GET THE DOCUMENTATION TO VERIFY IT WAS CLOSED!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (I do not know) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These reps keep calling from XXXX. They have been reported before to you by me. This company must try to collect under different companies name but the phone number is the same because I remember it. They called on XXXX/XXXX/2015 then again on XXXX/XXXX/2015 at XXXX I advised the rep they were told XXXX XXXX does not have my number earlier this week and I was told they would remove it. She stated again it would be removed. This company has called me before XXXX and they always say the phone number is being removed. Again I have reported them to you apparently you are not doing much about it either.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid off my Wells Fargo car loan more than five years ago and the bank continues to report that my last payment was more than 30 days late when it was not. <P/>I have asked all three CRAs to investigate this and they all say that Wells Fargo continues to verify that the loan was paid off more than 30 days late. I have even asked Wells Fargo to verify that it was paid late and the bank continues to claim that it was when I know it was not. <P/>This inaccurate late payment is affecting my credit score. <P/>Can you help me get it off my credit reports? <P/>Thank you.

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 02-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This information does not belong to me I want to investigate when was this because I do n't have any idea. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My debt with Central Financial Control was settled in full on XX/XX/XXXX. I received an alert on my credit report for unpaid account on XX/XX/XXXX witch had an impact on my score ( drop XXXX points. ). I did a dispute with XXXX, is there anything else that I can do, central Financial Control this is telling me that they did a mistake ...

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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The company XXXX XXXX XXXX continues to file fraudulent inquiries on my credit report. I written a letter to the company directly informing them to stop reporting unauthorized inquires on my credit report and that it was against the law to do so. I have not gotten a replied to the certified letter that was mailed direct to XXXX XXXX XXXX here located in XXXX, Georgia. XXXX  XXXX XXXX has violated the law just recently again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. This has been a unwarranted pattern and something needs to be done. This behavior is and has affected my credit with hard hits and negative blemishes. I am also filing a report on all levels because they are breaking the law.

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 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I understand that you are currently in the process of a lawsuit against Navient/XXXX From what I read, the lawsuits states that deferment was pushed by the servicer and the interests accrued where placed into the principal. This is completely true. I have {$12000.00} of capitalized interest since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dispute was filed with Equifax, but no final response have been received.  The investigative results by XXXX  concluded that  I am no longer liable for the following reported XXXX collections XXXX.  Accordingly, XXXX the aforementioned credit agencies have removed these collection items from my credit report.    However, these same collection items remain on my credit report from  Equifax  and need to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Consumer Financial Protection Bureau : I have decided to do my own form of bankruptcy program, since my spouse and I have accumulated a great deal of debt over the years paying for our children to finish college and graduate school, as well maintaining our home. Accordingly, we request a " Cease & Desist '' on any calls to our home or work while we work out our financial matters. We will be from this going forward until the end of XXXX XXXX will be eliminating no less than a dozen lines of credit, as well as the balances on our vehicles. This in turn will eliminate over {$4000.00} in monthly charges that we can eventually apply to any unpaid credit balances, either by settlement or reinstatement. We will place all our student loans in deferment until we can attack these debts one by one. Our second mortgage will be maintained as current, but our first mortgage must go into default until XXXX of XXXX. At that time, we can start making mortgage payments and wish to place the arrearages on the back end of our mortgage. We did have plans on selling our home by the end of XXXX. Our program will work better than any bankruptcy plan that a Chapter XXXX would procure. Therefore, since we know what we are attempting, we do not desire collection calls to our home or work. We will communicate in written form only, and we believe that our program will work out as planned. We do not desire any foreclosure action on our first mortgage as our intentions are pure to start making payments starting XXXX XXXX without exception. Therefore, we desire a complete " Cease & Desist '' on all calls immediately. Thank you for your consideration in this matter as we have submitted written request to our creditors, but the " Cease & Desist '' has been neglected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: I disputed an item due to cancelling and never receiving merchandise, Wells fargo took the word of the merchant that I did n't cancel so they reversed the credit. I felt this was unfair having being charged XXXX for something that I never received and was told would be cancelled and no further shipments. Wells Fargo wont reopen its investigation and says I did n't cancel, why would I lie? this is a large bank just bullying the little guy

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 06/23/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: Today I was charged {$210.00} in overdraft fees on my checking account ending in XXXX at Regions Bank. Regions Bank is an XXXX Company with facilities in XXXX where I live. I had a {$75.00} ACH withdrawal from a financial services company go through yesterday along with a bunch of pending transactions from this weekend. Because the {$75.00} funds were taking out first I have been charged overdraft fees on a bunch of smaller transactions. I spoke with someone from Regions and they informed that it is Regions policy to take out larger amounts first and then smaller amounts. Their justification for this was that " we wan na make sure your bills get paid so we take out the larger amounts first. '' I am not sure that this is a defensible position. Regions had made an arbitrary decision on what order to process their transactions in. It seems to me that Regions should be processing pending transactions for low balance accounts in the order that results in the lowest amount of overdraft fees for their customers. But even if Regions does n't want to take that position, which would be most favorable to their customers, then the transactions should at least be processed in the order that they were made. Had all of the smaller transactions gone through first and then the XXXX XXXX debit, I would only have been charged XXXX overdraft fee. The Regions representative I spoke with informed that I am not eligible to have these funds refunded because I have already had a refund of overdraft fees on this account. I am not requesting a refund of ALL overdraft fees, I am just requesting that the transactions be posted to the account in the order in which they were made. This would result in me only being charged for XXXX overdraft fee. I have done some research and it appears that this process of " reordering '' is happening throughout the banking industry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Ocwen was notified XXXX of enrollment in AZ XXXX XXXX XXXX program. 
Ocwen never recognized participation in program. 
Payments received from the AZ XXXX XXXX were improperly applied to my account. XXXX XXXX Requests were made about alternative options to assist me from losing home XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX with no response. 
XXXX XXXX was sent and received XXXX XXXX XXXX House was placed on trustee sale XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
I was notified XXXX/XXXX/XXXX approved for loan modification I was informed XXXX/XXXX/XXXX of lien and need to remove prior to XXXX/XXXX/XXXX. 
Loan modification was denied XXXX/XXXX/XXXX because of lien. 
Relationship XXXX was asked about sale date and foreclosure status for XXXX/XXXX/XXXX was told no current sale date and foreclosure was on hold.

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 10/19/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, I made a payment of {$35.00} and on XXXX XXXX I made the final payment of {$41.00}. The company is DCI ( Differsified Consultants INC ). The original creditor was XXXX. I want them to send to credit bureau that account is paid so my XXXX credit report shows as paid. And to send me a statement that account has been paid.

Company response to consumer: Closed with non-monetary relief