milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with TCF NATIONAL BANK (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We have a second mortgage with TCF bank. For the past 11 years we have been paying {$440.00} per month. We used to get a once yearly statement. Recently we have getting a monthly statement. I realized that the amount of principal credited each month was questionable. It should more principal credited each month.. From the enclosed statement you can see that was not the case. In fact almost 2 years of payments show no principal reduction at all. As you go over the statement you find many inconsistencies. Such as we have made the XX/XX/XXXX payment on XX/XX/XXXX. The principal on the statement said {$250.00}, yet we were credited {$120.00}. We were credited {$170.00} on XX/XX/XXXX and then {$140.00} on XX/XX/XXXX. Why would it be less? Why would it be less again on the next payment? I called TCF on Tuesday XX/XX/XXXX at XXXX my time.I spoke with XXXX and she had no explanation. The called last 26 minutes and she acted like I did n't know what I was talking about. She said she would send out a statement and call me in a week. I received the statement which have enclosed. Today is XX/XX/2017 and no call back The money is automatically withdrawn by TCF from another TCF account on the XXXX of each month. Due to circumstances at the time we had to accept a loan that was not very good. We have lived up to our part of the agreement all these years. Due to a first mortgage that is almost paid off TCF would not refinance this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: My name is XXXX XXXX. My social security number is XXXX, I have disputed XXXX items on the following credit reports : XXXX, Equifax and XXXX. XXXXwo of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of 2017, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: I have submitted my disputes to Experian for them to investigate a series of items, including personal information that needed to be changed in my file. 

Experian didn't even look at the letter and replied with a " GENERIC '' response stating that they can't re-investigate as it was disputed earlier. 

The problem is that I disputed PERSONAL INFORMATION with new accounts being disputed. How can they say that they can't re-investigate when it's the first time me doing this? 

Not only did they fail to look at the letter but it was as though they didn't even care to read and just sent me a generic reply.

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 09/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Settlement process and costs

Complaint: A XXXX mortgage firm, dba Nationstar Mortgage LLC refuses to produce the XXXX document required in escrow to finalize the sale of my property. This has been going on for over 6 months! The loan officer, the escrow officers, the seller ( me ) and the buyer have placed calls to Nationstar to request this form. We can not find a person who even acknowledges knowing what we are asking for. Its as if this form has never been requested before. In speaking with XXXX XXXX, Foresite Escrow, she ca n't understand why calls are not answered or returned, nor can the loan officer understand the failure to return his calls. They wo n't return my calls. Yesterday I spoke with three different customer service staffers who refused to connect me with an officer who could finalize this problem. I was on hold for over an hour, then they disconnected me. This same procedure happens every time I call. 
What can I do to sell my house and pay off this loan when they refuse to produce the XXXX document for the escrow and title people? They are the most unprofessional business I have dealt with in my entire life!

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (ID).
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: The Department of Education/Nelnet is reporting that I was 90 days late on my student loans in XXXX 2011.  I have mailed letters and have contacted The Department of Education/Nelnet numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that The Department of Education/Nelnet provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. The Department of Education/Nelnet do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the The Department of Education/Nelnet is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with PROVIDENT FUNDING ASSOCIATES (AL).
Issue: Struggling to pay mortgage

Complaint: The servicer of our loan is Provident Funding Associates and our loan with them opened in XX/XX/XXXX. We have had experiences with this company as what we perceive to be unlawful and damaging. Our first negative experience with them was many years ago ( XX/XX/XXXX-XX/XX/XXXX ) before your agency existed and we would like to bring awareness of that situation should it still be relevant. In recent months, due to circumstances beyond our control our household income has decreased significantly and are having great difficulty making the payments. We submitted all of our information to them in XX/XX/XXXX and again in XX/XX/XXXX seeking relief.Based on what we have experienced, we are certain they have had no interest whatsoever with trying to help us and have looked for every way possible to not help us. We felt compelled to bring awareness of our experiences to your agency, all of the facts associated with the process ' and look forward to the opportunity to speaking with someone at the CFPB about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I have been experiencing financial hardship since XXXX of 2013 due to the process know as " sequestration '' I work in XXXX and have yet to recoup losses of personal income due to this political action by the US Congress. I have remained one month behind in my mortgage payments since that time. Now, I am receiving unwanted debt collection calls from a mortgage loan servicer at my XXXX office telephone. This mortgage servicing company ( Ocwen Loan Servicing ) took over my mortgage in 2013 as a result of a bankruptcy filing from GMAC. The company has been told not to call me at my office but the calls appear to be robo-calls. In addition, this company has imposed high cost fees and penalties onto my note in an effort to overwhelm and out distance any ability for me to rectify my loan payments and make them current in order to release my " default ''. I feel this is unscrupulous behavior on the part of this company. I want to bring my note up to date but because of this servicer 's automatic fees and penalties, I am in a deep trench. I need assistance to find and secure another lender to offer me a chance to refinance a new BETTER mortgage ; even if it is at a higher interest rate. I hold more than 60 % valued equity in my home, I am in the 16th year of a 30 year mortgage and was NEVER LATE for 14 years of payments under GMAC. I need to be out from under this company 's indifference so as to pressure the homeowner for profit along with my horror and anxiety over the possibility that I might lose of my home. Trying to negotiate with Ocwen has been a nightmare, they are not a lender and they do n't remember the request for assistance from one month to the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with AFNI INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from afni, Inc., Subrogation Department stating that I owed money, apparently from an car accident I never had. I wrote a letter to them stating that I did not owe the money and asked for validation of the debt. I have received several letter and sent several letter by certified mail. They do not respond except to send more of their computer generated collection letters. They are obviously bad apples and should be punished. I have attached all the correspondence. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Rash Curtis and Associates (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had repeated, harassing phone calls on both my cell phone and home phone from a company called Rash Curtis whom I 've told repeatedly that I do not owe any debt to. 

They call from various numbers, but this one has surfaced several times : XXXX They have failed to provide me with any details whatsoever as to why they even think I owe them or any of their affiliates any money. They have never sent me anything in writing, despite numerous requests to help them sort this out. Because I have a fairly common name, I explained that they may have the wrong individual, but they consistently harass me at my home and via my cell phone. This scam company who is trying to get me to agree to wire them funds needs to be STOPPED!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am currently paying back my private loans with AES in the amount of {$1200.00} a month for attending XXXX XXXX for 5 years. This has been hard on me because that is basically my entire check per month, leaving me with a total of {$440.00} per month and my rent is {$350.00} a month. So basically i have to live off of {$90.00} a month. I have tried everything to get them to lower my monthly payment. At first i was paying just interest, then it went to principal amount ... and toggled between the XXXX. Now I am paying back the full amount with no fixed interest. Not to mention I still owe for my Federal loans that is with XXXX. I have no clue what to do anymore. This has been going on since I left school in XX/XX/XXXX, I have used up my forberance and deferment options. I have made it my business to just pay my loans becuase my father is the cosigner and after all this was my responsibility. There has to be something I can do to lower the amount. I can not live off {$90.00} a month. Please tell me there is somthing that can be done about this. I can live like this until my loans are paid off in XX/XX/XXXX. I am tired of stressing over my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX, my information was stolen from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Consumer Loan (Installment loan) with Resurgent Capital Services L.P. (MO).
Issue: Managing the loan or lease

Complaint: The alleged loan orginated in XXXX/XXXX/XXXX and the account was charged off in XXXX/XXXX/XXXX. The account was acquired by Resurgent Capital Services from XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. I was contacted by mail in reference to this alleged loan. The original creditor was XXXX XXXX XXXX XXXX, of which I have never had any dealings. I have submitted a written dispute asking for all original documents and proof of this alleged loan with my signature. The loan is clearly out of the statute of limitations and is uncollectable. Yet I continue to receive correspondence in efforts to collect this debt. Resurgent has refused to accomodate any of my request for any and all documents pertaining to this alledged loan. I consider this harassment and would like all correspondence to cease and desist. 
Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: I had a loan through XXXX that was sold ( immediately, I was told ) to Wells Fargo. The mortgage was closed in XX/XX/2005. It was a 15 mortgage with early payments ( 26 payments per year ). This meant that the loan would be paid off in 11.2 years. I have never missed a payment. At about 18 or 20 months from the payoff date, I realized that the balance was wrong. I spoke to someone at Wells Fargo and he recalculated the amount that should remain on the loan. He said that the balance should be approximately {$60000.00} less than was shown on my statement. I was told that the amount that I paid was not correctly applied to the loan amount and didn't take my early payments into account. As there were two banks involved, I was tossed back and forth between them about 5 times without making any progress.

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 02/29/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with LEXISNEXIS (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/XXXX XXXX admitted they open a claim up on me in error, it been affecting me getting homeowner insurance and have my rate extremely high to do damaging my XXXX report, which a clear violation of FCRA which is govern by FTC. Foremost send me a letter out admitting it was a error, but XXXX failed repair to reporting on his XXXX report its been 18months of get denied and being embrass because denial. In XXXX XXXX XXXX XXXX place XXXX claim on my history and a XXXX and XXXX on my file in XXXX XXXX and XXXX XXXX these claim were only supposed to be XXXX claim which Texas Insurance Commission agree via by accept my complaint against XXXX XXXX. Only XXXX claim was filed which was XXXX XXXX XXXX and since I filed a claim which insurance commission it was a tactic to make me pay higher rates or be denial coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MD).
Issue: Other service problem

Complaint: I sent Bitcoins ( BTC ) and Bitcoin Cash ( BCH ) from Binance exchange to Gdax ( Coinbase ) on XX/XX/XXXX and XX/XX/XXXX. Even though emails and coinbase log shows that it arrived and was deposited to GDAX, my GDAX account is not showing the coins. Multiple emails, cases, phone calls, but no customer support what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My complaint is with XXXX, XXXX, Equifax. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Student loan (Federal student loan servicing) with URS Holding, LLC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I live in Florida, and I am currently under garnishment to XXXX. Over 12 years ago, after a spotty payment record, I contacted them to set up a payment plan. They said if I paid {$150.00} a month for one year on time, then my loan would come off my credit report and I would be in good standing. 

However, at the end of the year and XXXX on-time payments, they then said they I had to pay {$400.00} a month! I told them I could not pay that amount, and they said if I did n't, they would garnish my wages. I later found out they were supposed to negotiate an affordable payment in good faith, but they never did. The garnishment was initially 10 % of my salary, which was about {$300.00}, so I figured I would let them garnish my wages & it would get paid off. However, the garnishment was later upped to almost {$400.00} as a new Florida law allowed them to college up to 15 %. I have been paying between $ XXXX {$400.00} a month for over 12 years. 

At the time of the garnishment, I owed {$31000.00}. I have been paying for over 12 years, and now I owe over {$36000.00}. When I contacted them over a year ago to find out my balance, they wanted to to verify various phone numbers and addresses that I may have had for over 10 years. Some of them I did n't not recognize, but may have been addresses for my husband. We are still legally married but have n't been together for over 13 years so I do n't know all of his former addresses and phone number. Because I could n't verify every single one, they would not let me do an address change or send me a statement to see what I had paid. They said they were being nice by letting me know my balance over the phone - {$31000.00}, which is exactly what it was when they started garnishing my wages! They also offered to make me another loan! I asked them why would they make another loan if they have to garnish the one I already have? 

The sad thing is that, if my loan had been rehabbed, in 1 more year I would be eligible for loan forgiveness for working for XXXX. Right now I am eligible for nothing & there is no end in sight. I talked to a clerk at an attorney 's office who had sent a bulk email about my servicer, XXXX XXXX XXXX, doing robo-calls. She said they can keep garnishing your wages, and she had a sister who tried to pay off her garnishment but was refused. They make more money charging you monthly, and she said she will probably be paying this the rest of her life. 

I do n't know what else to do. Do I have to keep paying this amount for the rest of my life?

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: We applied for a home refinance loan with JP Morgan Chase Bank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX to refinance our loans with XXXX XXXX and XXXX XXXX XXXX, and signed the final loan papers on XX/XX/XXXX. The new loan with Chase included a pay off our first mortgage with XXXX XXXX and our XXXX mortgage with XXXX XXXX XXXX. Chase paid off our XXXX mortgage with XXXX XXXX on XX/XX/XXXX. However, our XXXX mortgage with XXXX XXXX XXXX has not been paid off as of XX/XX/XXXX. The final HUD-1 settlement statement for the refinance that we signed stated on line XXXX that Chase would payoff our mortgage of {$60000.00} with XXXX XXXX XXXX. A few weeks after signing the final HUD-1 settlement statement, we received another HUD-1 settlement statement in the mail that was changed on line XXXX. The payee was changed to " XXXX '' instead of XXXX XXXX XXXX but the amount of {$60000.00} was not changed. We do n't have a mortgage with " XXXX, '' and have never even heard of " XXXX. '' We have left messages with the Chase loan origination department and have contacted the loan processing managers, but our mortgage with XXXX XXXX XXXX has not been paid off and we now have XXXX mortgages with Chase and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been getting continuous calls from a XXXX party debt collections in regards to a XXXX account that was opened under my name in XXXX while I was in Texas. I have sent in the requested proof of residences and identification to them about a month or so ago. Calls stopped for about a week and then started back up. I have spoken with them again and they are now asking for a police report of the incident, I went to my local police department in Texas and they are telling me because of the time and situation i would have to file with the XXXX police department for that claim. I am not able to just fly over to XXXX to make a police report. So when I called back they said well we are out of options and transfer me to another person that tells me the same thing until I magically get disconnected. I then went and called XXXX and after hours of phone calls from them and finding out there are no local branches here in Texas they sent me here to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief