milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My ex-husband and I consolidated our student loans through the USDOE in XXXX. I divorced him in XXXX, and was told that the loans couldnot be separated -- ever. I filled for and was granted discharge in full for the total amount of all conslidated loans in XXXX XXXX through Nelnet/USDOE. The following month ( XXXX XXXX ) I began recieving bills for my ex-husband 's portion of the consolidated student loans. He is not paying the loans and Nelnet is reporting the loans as my delinquency to XXXX credit bureau services. They call almost weekly, and have even tried to get my c

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I completed a modification application with Caliber home loans and was denied a regular mortgage and was offered an Interest only for 5 years at 5.125 %. Because I believed this was my only option I signed the agreement and continued to make payments after my completion of a 3 month trial. I checked on line after 2 months because I never received any information from Caliber since by signing I was suppose to be taken out of foreclosure and I notice the last payment posted was from XXXX which was the end of my trial period and no mention of the funds I sent since I signed and sent the agreement. 
Caliber was accepting my money and failed to acknowledge they did not receive the agreement, yet cashed the checks. I am now forced to sign and have a notary sign the agreement again. If I did not call I would have been paying and believed I was out of foreclosure and they would have continued and I would be evicted and homeless. I was never notified the reason for the interest only payments only given different reasons from the various people who answer the phone when I called. I was told if I declined the agreement I would need to complete another modification, however, it would have the same information, my funds would be kept because of the back money owed and nothing would be applied to the principle until those funds are paid.Another person said I could appeal and did not tell me the appeal process. I find their behavior unacceptable. 
Caliber home loan took my money and did not acknowledge they did not receive the agreement for almost 3 months, then when I complained threaten me with completing the agreement or they will continued the foreclosure. My account is not being service properly, my questions are not being answered by people who have the authority I always receive a different answer. I am being judged on my pass inability to pay my debts and not on my Current behavior to rectify my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with Colony Brands, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company is refusing to update my account as paid in full and a XXXX balance to my 3 credit reports. This account is paid

Company response to consumer: Untimely response
Consumer complaint received 04/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I called my lender, Navient, and advised them that I was unemployed and/or when employed, my income was below what any affordable payments possible. I have  XXXX  dependents, and my spouse is a  XXXX  Veteran. I was recently informed of the Income Based Repayment Program, however, I was placed on Forbearances for many years. During these years, I SHOULD have been provided the option and information regarding th e Income Based Repayment Plan.  If I was offered this option, I would be much closer to the end of my plan, as I graduated in  2006 .

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Student loan (Federal student loan servicing) with Ceannate (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Obama 's XXXX student loan forgiveness is a farce! A scam that our Government is not doing anything about. My doctor and I sent in the required documents and applied for the student loan debt forgiveness program for the XXXX. 
I received a letter of " Approval '' stating that I was approved for the XXXX program and that after a 3 year waiting period the debt would be paid off if I did not hear from them further. 
After the 3 year waiting period had passed I assumed that the debt was indeed paid, because the letter that I received stated that If during that 3 year waiting period I was disqualified for any reason I would be notified, and that " If I did not hear anything from them at all by the end of that 3 year waiting period, then I would not need to do anything further, the debt would have been paid off '' Now I have found that not only was the student loan not paid off, even though I was approved, but they have conveniently lost all of my paperwork. Wait ... let me rephrase that ... They lost any and all proof that my student loan was paid off, but they DID NOT lose the paper work showing that I still owe the student loan. Again ... how convenient! 
I have been informed that up until 2013 all of the paperwork was kept by ... NOW GET THIS ... the carrier of the loan. 
How stupid is our government officials to let the very loan company that we owe the money to, keep the only proof that the loan was paid off?!! again I say " How convenient! '' These are the people running our country? God help us! Giving the loan carrier the task of keeping all of the paperwork proving that the loan was paid off is like giving bank robbers the keys to the safe! 
I think that the 3 year waiting period was a part of the scam as well! Why? Why would they want us to wait 3 years? I think perhaps that the XXXX dollars allocated by President Obama for the student loan forgiveness program was probably put in a bank to draw interest those 3 years and counting. If this is true, where is the money made in interest? who 's pockets are lined with that money? Even more important, whose pocket is my {$10000.00} in? I was approved for the program, the 3 years waiting period has passed and in fact it has been about 5 years and I am still paying the debt! Somebody pocketed the money that was supposed to pay off my student loan, ... OR it was paid off, but the loan company is double dipping and forcing me to pay it again! This is why I hate ALL POLITICIANS! They are all crooked and dishonest!

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My private student loans through Navient were in a repayment status with a reduced interest rate which made my payments affordable. Without my consent or knowledge they pulled my credit and determined I was able to make full payments. My credit report tells them that I have been working hard to pay on time, it does n't tell them that I can afford to have my interest rate increase to 10 % from 1 %. I was pushed to make a payment which was 25 days late ( because I could n't afford to pay the new monthly amount ) in order to be considered for an extension on the reduced interest rate program. After the representative noted I had made the payment, then she noticed that I was not eligible for any repayment options and that there was not a supervisor to speak with. Her employee ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commercial Acceptance Company (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I never did business with Commercial Acceptance CO, they 're reporting inaccurate information on my report stating that i owe them XXXX dollars which i do n't recall borrowing from any credit card or any company. I really will appreciate if they take the negative item off my report, If they are n't able to remove this negative reporting that 's really affecting my family live, i will like them to provide full verification and contract that proof that i owe them this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX I sent a letter to the cash store relinquishing their rights for automatic payments. On XX/XX/XXXX they withdrew funds from my account causing my chase account to overdraft. Chase credited my account and said they filed a claim. Then 2 days later they took the payment out of my account again and assessed me 3 overdraft fees. When I called, a claim had never been filed and they asked that I fax in the documents and they would recredit my account. When I did that, I continue to call and they say they have n't received the documents and my account still has the charge on it. They refuse to credit my money back until the documents have been received. According to the eft act I have total rights to relinquish their right to auto withdraw funds, the notice was given over 3 days before verbally and through a written and signed document but chase still refuses to credit my account and is giving me a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: this is an issue of debt collection abuse this is against the lawXXXX XXXX has a pending case of debt collection abuse from cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed some information on my credit report and it still has not been fixed. 
XXXX XXXX XXXX -- - this needs to be removed. this is not me. 
Name identification number : XXXX XXXXName identification number : XXXX -- this needs to be removed -- this is not meXXXX XXXXName identification number : XXXX - this needs to be removed ... this is not meXXXX XXXXName identification number : XXXX -- this needs to be removed. this is not meXXXX XXXXName identification number : XXXX - this needs to be removed. this is not meEmployers : UNEMPLYED -- REMOVE -- NOT MEXXXX XXXX - REMOVE - NOT MEXXXX XXXX - REMOVE -- This is not meAddress : XXXX XXXX XXXXXXXX XXXX identification number : XXXX -- REMOVE ... this has never been meAddress : XXXX XXXX XXXX, XXXX XXXXAddress identification number : XXXX -- REMOVE ... this is not meIdentification Number : XXXX -- this needs to be removed. XXXX years oldJudgment in favor of XXXX. XXXX -- Remove this.. I am no longer liable for this. 

The following accounts needs to be removed asap. I am no longer liable and they need to be deleted from my record asap. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was called at XXXX by a rep there. I told her I would be calling in at XXXX to make payment because I was driving at the time. She says ok.. I got another call at XXXX from a different rep and I explained to her this morning about a call she said there we no notes. 2 minutes later my phone rang again and it was jareds

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I tried to set up by-weekly payment with Ocwin, but even through the website list by-weekly payments as a option no method exist to set it up. I called and the person I spoke to could not set it up either or could she direct me to a person who could. I believe this is fraud on Ocwin 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After realizing that my rescission rights were still effective due to the fact that my loan has not yet been consummated under the laws of California, I sent Ocwen Loan Servicing , LLC a letter rescinding my loan on XXXX XXXX, 2015. The letter was mailed to Ocwen Loan Servicing , LLC on XXXX XXXX, 2015 and received by them on XXXX XXXX, 2015. I have attached a copy of the letter as well as the follow up Notice of Non-Compliance. I was fully prepared for Ocwen Loan Servicing LLC to file a lawsuit against me to challenge the notice of rescission, but they did not within the XXXX day statutory period provided under the Federal Truth In Lending Act. Under the Act, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded or perfected ''. Under the Act, Ocwen Loan Servicing , LLC had XXXX days from XXXX XXXX, 2015 to challenge my Notice of Rescission by filing a lawsuit against me. They have failed to take any action regarding my Notice of Rescission in any way. Because of their failure to challenge the rescission, they have forever waived any and all defenses to my rescission. Under the Act, Ocwen is now in violation of the law, and they are blatantly disregarding my loan rescission rights. As previously mentioned and attached, I have sent them a letter of non-compliance and have requested they cancel the sale date that is scheduled on my home Wednesday, XXXX XXXX, 2015 and that they forward me a release and or a reconveyance as required under the statute. I am filing this complaint to inform the CFPB that Ocwen Loan Servicing , LLC continues to ignore the law and that they are in violation of a Federal Act. Their actions are in direct violation of federal and state laws. I request the Consumer Financial Protection Bureau take some kind of disciplinary action against Ocwen for their blatant disregard for the law and for attempting to pursue a foreclosure on a deed of trust that has been canceled by operation of law. I am hoping with your interaction, Ocwen will choose to abide by the Act and take the necessary steps that is required of them by law.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Account number ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with HSBC and have been paying for 12 years. When things got difficult I applied for a modification and they issue a temporary modification. I have been paying my account and kept it current for over six years. I requested from them to offer a permanent modification since the rates were low as the interest I have is 8 % but they refused. I request for a refinance and that was not an option either. In XXXX of 2015 I learned that they have not been reporting to the credit bureau so there is no record of my making payments to them for 12 years. I contacted them in XXXX and requested for them to report so this way my credit score will increase and I will be able to refinance. On XXXX 2015 I started to refinance and once again learned that there is no record of my mortgage with HSBC since they are still not reporting and this makes things more difficult when there is no record. I have once again contacted HSBC and requested for them to offer a permanent modification with a lower interest and I was denied. Instead the send me a letter offering me to do a short sale or Deed-in-Lieu and I am offended by that offer since my account has not been past due for over six years. This practice for any Financial Institution should not be allow. Please advocate so all other customers who are experiencing the same can also be benefit and our credits will improve once they report to the credit bureaus and will give us the option to refinance and qualify for a low interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: I will like to file a CFPB Complaint against Wells Fargo Dealer Service for inaccurate billing practices while deployed. On XXXX XXXX, I opened a car loan with WFDS. On XXXX XXXX, I deployed for 12 months. During this deployment, my loan was not deducted to 6 % as required under the SCRA ( Reduction of Interest to 6 % ) XXXX. The bank was notified and completely aware of this deployment but failed to decrease the interest. 
Also, during this time my vehicle insurance was changed to liability due to it being stored on a military installation. The vehicle was insured and covered by law. During this time, WFDS implemented their own insurance and charged me discreetly. This has caused my loan to fall into delinquency. Currently to date, the loan payment has always been promptly paid on time, never late. 



Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Some used my social security number to get a XXXX account ( fraudulent account ) and did not pay. I contacted ERC informed them it was not my account to remove it from my credit. They requested proof with my credit report, ID and SSN. They informed me via email I would receive a claim packet to complete in order for them to investigate to remove the item from my credit report. After waiting for a week I received no claim packet. I contacted organization again and am given excuses they can not discuss it with me because its not my account. It should be removed from my credit but they refuse to investigate and to remove the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2017 about Debt collection (Medical debt) with BYL Collection Services (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX t is a collection agency in XXXX XXXX, PA, and has reported three medical collections to the credit bureaus that I do not owe : 1 ) Reported opened XX/XX/XXXX {$10.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX 2 ) Reported opened XX/XX/XXXX {$20.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX 3 ) Reported opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX This is the exact information reported on my XX/XX/XXXX XXXX credit report ( no full account numbers or name of original creditor ), and I have confirmed with all my doctors that I owe no money. I pay every single medical expense at time of service and have never left an appointment owing any money, period. I have never received anything in the mail from " '' XXXX XXXX '' or any medical provider, nor have I ever received a phone call. It is preposterous that completely false information can be reported to credit bureaus, especially without any details as to where the alleged debt originated. I am contacting my representatives and the Delaware Attorney General 's Office, where I am currently employed, to find out why this is legal and this company can get away with this. 

Sincerely, XXXX XXXX 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 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/2017 in regards to how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. However I never had an account or contract with this company .According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA itn states the CBA is required to promptly DELETE all information which can not be verified.

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 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have disputed with Experian already and still they do not have the correct social on file, I even gave them a copy of my card. Please help, there are also items listed that I have never seen before I am thinking they are attached to this social. Please help the social they have on file XXXX which this is not my last XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief