milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: i need to know all late fees were waived in 2017 tired of getting photocopies of answers previously submitted does nothing. I have unresolved issues left several messages for XXXX XXXX to get contact info name and number for her supervisor have received nothing. please address quickly and without red tape.

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 02/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech took over my Greentree account. I am no longer able to access my online account, where I should be able to view and print my mortgage interest statement. I have requested that Ditech either restore my online account access or provide me a hard copy of my statement. They have failed to comply and have not responded to my communication. I can not file my 2015 income taxes without this form.

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 08-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing negligently misrepresented a short payoff transaction that resulted negatively on my credit and caused damages to me. In 2016, I contacted SPS as they sent me a letter informing me that my mortgage would significantly increase due to a rate increase. Therefore, I asked them what are my options to avoid a rate increase as I had just completed the HAMP program and was on a good track which I wanted to maintain. The rep stated that I had the option to submit an offer to the investor and if accepted would be accepted as payment in full. I had asked the representative if this option would negatively affect my credit and the agent stated no, it would reported as paid in full as this is not a short sale. Also, the representative stated that they would send me a letter stating that my loan would be paid in full, which they did and I have a copy of the letter. I was concerned about my credit as I spent the last 5 years working hard to repair it due to late payments from the mortgage crisis, which I had explained to the representative. Again, the representative assured me that it would be shown as paid in full and I would receive a letter stating that I could use as proof. Therefore, I proceeded with the negotiation and sourced the funds to payoff my loan. After the transaction was complete, I receive my letter stating that the loan was paid in full. 

Thereafter, I applied for credit and was denied due to a short sale. I had advise the creditor that I have never sold my property and I only paid off the loan. They stated that the creditor is not showing the loan was paid in full but settled and it is negative on my credit. My score had dropped significantly as a result, and I am having a hard time sourcing the approvals needed to take care of my family and lifestyle. 

In conclusion, had SPS been transparent, informal, and truthful about the transaction, I would not have accepted to move forward in order to protect my credit that I just spent the last 5 years rebuilding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Excess interest on student loan

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My bankruptcy ended on XXXX/XXXX/2015 and I received verification from my lawyer that those that I had XXXX loans with have been notified. Out of XXXX lenders, Wells Fargo was the only XXXX that I had not received bills from since then. 

I received a letter today ( XXXX/XXXX/2015 ) stating that my loan has been defaulted and I need to pay the full amount. I was also given the option to try and work out a payment schedule but my only option to do that is by phone. Unfortunately I ca n't afford to make that call or to have a phone. 

I hope through here I can facilitate some type of electronic communication to get this resolved. I also prefer electronic communication so I have the documentation for my records in case I need to go to court regarding this issue as I will need to represent myself and need the documentation on my end of my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is showing a credit card that I was not an authorized user on and is not my debt. The other credit bureaus have already moved it from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (PA).
Issue: Struggling to pay mortgage

Complaint: We have sent documents over numerous times that have required updating or new documents. We have saved money the sum of {$10000.00} to help reduce the amount we owe. We are very capable of making the payments on our house but the attorney fees and all the fees that have been added on have skyrocketed what we owe in order to catch up on the loan itself. 

They are telling us that we must pay all of it that totals over {$23000.00} when our loan to catch up is only about {$11000.00}.

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 10/17/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am writing in regards to my now closed, Paid in Full, purchased by XXXX from Ge Capital Retail Bank. 
XXXX sued me over this debt but the case was dismissed without prejudice and I was advised by XXXX that the account will be deleted off my credit reports. 

Upon speaking with several supervisors at XXXX, I was informed that while it is practice to update the credit reports as " Paid '', I was also informed that if I chose to dispute the account once paid for a removal from my credit file, " XXXX would not fight me on this ''. I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably -- I am requesting a complete deletion of this account from my XXXX credit reports : XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I purchased a XXXX XXXX from the dealership. XXXX XXXX XXXX was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And XXXX XXXX for the first two months car was reported as paid as agreed then XXXX in XX/XX/XXXX added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed XXXX, XXXX, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note XXXX XXXX XXXX was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company

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 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Struggling to pay mortgage

Complaint: this is a continued complaint against my Mortgage company. Wells Fargo. I believe that they have committed fraud in the way that they have handled modifications, forebearances and repayment plans Along with the way they handle foreclosures. I was looking on my states government web site. which states that I was supposed to be given a subpeana with the foreclosure sale along with a date to respond to the court with a complaint. I was never given such an item. I would like an opportunity for the court to hear my side, and to evaluate any illegal practices committed by Wells Fargo. In addition to my previous request for written proof of allowed modifications, forebearances, and re payment plans. I am now asking for proof that I was served with the subpeana for the foreclosure. Had I received such an item I would have responded to the court. I am also asking again to be considered for a proper modification, forebearance, or re finance of my mortgage loan. I also am still requesting a copy of the phone call placed on XXXX XXXX XXXX. I believe none of the above items are pripreratory, and should be released to me. If any item listed above is a pripreatory item, Then I am asking for written proof as to this.

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 07/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has kept my surplus escrow for XX/XX/XXXX and they are charging me an escrow in XX/XX/XXXX. I have paid my insurance directly per attached. I should be taken off escrow and refunded what they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I XXXX from college with a XXXX in XXXX XXXX. I then went to XXXX. When I was accepted into XXXX I was also trying to get financial aid to help pay for the XXXX. They accepted y request for aid under the circumstance that i paid off my Perkins loan. They would NOT release my money for the XXXX until it was paid, I then paid the load in full, they released my money almost when I was about to XXXX the XXXX. 
Two years later I received a notice from the attorney general saying that my Perkins loan was never paid. I called the school and they said that it was paid and then re opened for some reason. I have been dealing with this for YEARS now and every year they take money from my income tax. I have been fighting this for quite some time now and my credit is hurting because it shows on there that i have a default loan in the Attorney Generals office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing disputes

Complaint: paid an unauthorized/disputed charge to my XXXX account while still in arbitration

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt to any bureau nor post or obtain any information on my Credit Files.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (ME).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: XXXX XXXX keeps sending letters from several different collection agencies after several attempts by my attorney to report this as a dispute of validity of debt. Despite repeated requests to have correspondence go through my attorney, all communications are still being sent to me directly. No one from XXXX XXXX the original creditor ) has made any attempt to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In 2013 I received a XXXX and asked for a forbearance while on XXXX. I was never told that my interest could be held from a accruing while recovering for 4 months this made my loan increase by {$50.00} only to find out that interest should not have been charged while I was on forbearance for my subsidized student loan. Navient is my loan servicer. I 've also recently called to lower payments ( down to minimum payments ) and the servicer said that this was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Other fee

Complaint: After recent cancellation of membership, I received multiple calls with attempts to collect a debt for a credit card in which I have submitted payments for previously with outstanding payment history. Though I submitted my payment via check XXXX did not acknowledge the payment so I resubmitted my payment via money order in which was deposited on XX/XX/2016. Through the many attempts to submit payment XXXX continues to raise the statement balance with outstanding interest fee and fails to update the payment balance. When I made my payment of {$350.00} my balance was XXXX, as of today the balance is XXXX and continues to increase with interest fees and no reflection of the payment of {$350.00} made in XX/XX/XXXX. I have contacted the Risk Committee, XXXX, XXXX, and may other individuals/departments within the bank dated back to XX/XX/2016. I have sent many letters to have this item removed from my credit report do to inaccurate information and lack of processing, but nothing remains to be done. I have contacted a lawyer to resolve this issue but the bank continues to draw a blind eye. Overall in conclusion, I have paid this credit card a total of XXXX times, once with a check and another with a money order. I have contacted the bank on numerous occasions but continue to have the phone disconnected and the issue not resolved. With my payment of {$350.00} towards a balance of {$360.00}, no payments have been reflected and interest continues to raise bigotedly and this installation continues to remain a huge burden hindering my valuable credit history. I have contacted a lawyer and the XXXX credit with attempts to resolve this issue but remain unsuccessful in this matter do to XXXX failing to reflect payment/paid off balance. Thank you for your help in this matter and I am greatly appreciative of removing XXXX defaults from my credit history and back rolling unnecessary inaccurate charges as a reflection of mishandling process on the banks behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My social security number was stolen to open accounts under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Student loan (Non-federal student loan) with Capital Management Services, LP (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: This is the third time I am writing you about harassment from Capital Management Services. They have once again resorted to calling my cosigner at her place of work in intervals of less than thirty minutes claiming it 's an emergency. This is especially egregious because they denied doing so. My cosigner is a XXXX. Capital Management decided that since I was n't paying them quickly enough on my fixed income that they 'll do their best to get my cosigner fired. This harassment is ongoing. Please call XXXX XXXX XXXX in XXXX, GA to verify how many times they call daily because XXXX times when they submitted a response to this office, they knowingly lied. Why is a company openly allowed to spite taxpayers? Why is this company allowed to endanger children repeatedly by tying up the phone lines of the public elementary school my cosigner works at, when I can be reached? Will they ever face any type of punitive measures for harassment and pettiness or is that only reserved for working class individuals?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other fee

Complaint: I opened a Macy 's credit card ~12 months ago and have been using it and making full payments on time, but I have not purchased anything in the last 2 months. They are charging me a {$2.00} a month " minimum interest fee '' each month, despite not having any purchases and not carrying a balance. I now owe {$4.00} - will that show up on my credit report? Will I be charged a late fee? This is n't legal right?

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 monetary relief
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I told XXXX, and now EOS CCA, that the XXXX dollars is not mine, and it should not be on my credit report none whatsoever. Debt was absolved through verizon, but now they are going to say I owe them, and those clearly are not the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with URS Holding, LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: called my number about someone else 's debt and said that my number had been given as a contact. The party in question has no contact with me I feel they took it upon themselves to start calling distant relatives for collection

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Medical) with PDQ Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There are 2 issues with this debt and PDQ Company 's collection efforts. PDQ 's response does not address the issue of the initial date of collection which should be the date listed on the credit report. PDQ sent a letter of collection on XXXX XXXX, XXXX. This is written and documented on their letterhead whereby they reference this exact date. PDQ is not following the federal fair debt collection laws. PDQ is showing the date of initial collection as XXXX XXXX. This is completely inaccurate and unfair collection and reporting. PDQ 's initial letter was dated XXXX XXXX. Again, PDG is violating fair collection practices by reporting an inaccurate date. By doing this, PDQ is allowing almost 2 additional years of reporting as a collection account on my credit report. PDQ has not addressed this in any of its previous responses. Again, the proof, which is the actual letter written by PDQ, is attached to this email. The collection letter sent by PDQ which states the initial contact was XXXX XXXX. This means the debt should be removed from the credit report sooner. I do not confirm this debt. I do not want PDQ to list the debt as disputed. This is not the answer I am seeking. This debt is beyond the statute of limitations. I seek resolution where PDQ corrects the date of initial collection so that my credit report is accurate. PDQ is using unfair and inaccurate reporting tactics to allow for additional and illegal time to collect. I will file another separate complaint against PDQ since the Company can not address both issues simultaneously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an inquiry on my credit report from XXXX XXXX that I did not authorize dated XX/XX/2017.

Company response to consumer: Closed with explanation