milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to PennyMac, XXXX XXXX XXXX , XXXX, CA XXXX in XXXX/XXXX/2015 at this time they started calling me saying I was behind and owed XXXX. I have had XXXX phone call conversations with them over the last 3 months trying to resolve this. I have recently found out that the was charging me XXXX for flood insurance when I already had flood policy in place for 2yrs in the amount of XXXXXXXXyr, also they had my home owners at XXXX when it is XXXXXXXXyr. My taxes are XXXXXXXXyr they have me at XXXXXXXXyr. They have reported to credit bureau I am behind on payments and late? I have my canceled check stubs showing that I have made all my payments and not been late. They have my escrow account screwed up and report things to the credit bureau that are false and untrue. I would like a breakdown of my loan where the money is going, principal, escrow amounts, fees ect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Student loan (Non-federal student loan) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Being sued for non-payment of a private loan, but do not have any records of taking out a private loan. Was not notified of any collection until the lawsuit and now wages have been garnished. Looking for documentation to verify original lender and what date the loan was issued, amount of debt actually owed, and when last ( if any ) payment was made toward this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Wakefield & Associates is attempting to collect a debt after I provided them proof that the debt was paid to the original creditor, prior to receiving any information from Wakefield & Associates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Applied for a Bank of America home equity loan ( {$300000.00} less than 50 % CLTV ). Rejected because " Bank of America Credit Obligations Not Paid As Agreed ''. I looked at my credit report and there was a {$280.00} credit card charge off from OVER TEN YEARS AGO. I immediately paid this BoA credit card from my BoA checking account. Bank of America apparently cross sells you on buying several of their products, but when you have to ask the home equity department, to verify with the BoA credit card department that a balance is zero, having being paid from a BoA checking account and THEY WILL ONLY ACCEPT information provided by the credit bureau ( in this case XXXX, who is another nightmare ) - and do you know who provides that information to the credit bureau - Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Improper, credit reporting for positive credit which has lead to my wife and I loosing the opportunity to buy a home before interest rates went up. The new rates force us to buy a smaller home and pay higher interest rates.

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 02-02-2018 about Debt collection (I do not know) with I.C. System, Inc. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XXXX XXXX, 2018 at XXXX XXXX. a female representative from " IC System '' asked me to verify my address to discuss private information. I could not and did not verify my address, and the disgruntled representative rudely said she would be " sending a letter anyway '' to an address not specified. I have no idea where this letter was sent, or what information was on it, or if it even belonged to me. 

If my private information is out there, I have a right to know where it was sent. However, I was told a letter would be sent to an unknown address, that I did not verify.

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 07/31/2015 about Prepaid card (Mobile wallet) with Google Compare Credit Cards Inc. (NC).
Issue: Managing, opening, or closing account

Complaint: GOOGLE WALLET DONT TAKE CREDIT CARDS BUT CHARGED MY CREDIT CARD AND ON TOP OF THEY THEY CLOSED MY ACCOUNT AND FAILED TO SEND ME THE MONEY LEFT IN MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling from paypal credit, I receive a call every other hour about 5-6times a day everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX # XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX. # XXXX these accounts where disputed and never deleted. 
FCRA Act 609 ( a1 ) ( e2 ), 623 ( a1 ) violation please all accounts delete. 
This account is in dispute with the original creditor error please delete accounts. 
This which you DECLINED. I sent info for Exquifax or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 
If they had investigated properly, no XXXX system thank you, they ( Third Party Collections Companies ) would have known, that these accounts were not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I am currently financed under Santander Consumer USA, recommended by XXXX. I signed up for Auto pay which required me to put in my account and routing number. I later found out that the account number was entered incorrectly which put me in a past due payment because they sent the payment back. I was never notified that the information was incorrect until 15 days after the payment was to be sent. They notified me that I can pay though XXXX XXXX for a fee. That is not very secure for a " financial institution ''. I have to wait 6 months before my auto pay will be active again. This now requires that I have my bank send a check to a XXXX XXXXx . There is no guarantee from the company that this has been received. I also never informed that if my information is incorrect that I can not change it and that it would take 6 months before I can correct it. This company is not very reputable and not very helpful. They use a third party for their financing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Student loan (Non-federal student loan) with MOHELA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My step-son, XXXX XXXX, and I were scammed by MOHELA Student Loan on XXXX XXXX, 2004. This is the 2nd complaint I 've filed with CFPB against MOHELA. The first complaint # XXXX is still pending. MOHELA used a deceptive and misleading Truth In Lending disclosure and XXXX page loan document. Proof that my step-son is not the only victim can be found by viewing this weblink, it 's a video of an investigative reporter interviewing another victim : XXXX XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX Seems that MOHELA is famous for adding interest charges to loans that they purchase from other lenders. Appears to be a " bait and switch '' scam. Shame on MOHELA for taking advantage of high school graduates with no borrowing experience and for snaring parents excited for their children to attend higher education but lacking funds to send them as co-signer on the deceptive loans. MOHELA does not make interest that loans accrue while students attend college clear and obvious so that a first time borrower/recent high school graduate and parent that 's excited for their child to attend higher education can see and understand interest that will accrue while the student is attending college. The weblink video is proof of multiple victims of this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status t o 180+  days late and my score dropped.  AES will not remove these paid off accounts and they added false info when I filed a dispute.  The same loan is also on my reports multiple times. I dont know where to turn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2017 about Debt collection (Credit card debt) with DISCOVER BANK (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I keep tellin g Discover Card (  they have my current cell phone and home numbers ) not to keep calling an elderly relative who I have n't seen in ten years. One day they called her house five times!! So they do not need to call her when they can call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I've tried on more that one occasion to do a service cancellable loan and each time that i'vover XXXX e applied I have been told that i don't qualify. I've been XXXX  more that 20 years and i would like to retire one day.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my Transunion,  XXXX  and   XXXX   credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will make the corrections  for about seven days and then automatic report the incorrect information agin.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (DE).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Company : XXXX / TD Bank Product Red Card Issue : Company will not increase my credit limit even when updated income is provided. 

Description : I have been a XXXX card holder since 2014 and did not realize that my credit limit is only {$500.00}, while others have given me lines more than {$15000.00}. 

Recently, I was not able to make a purchase at XXXX  since it went over the {$500.00} limit. However, it was not apparent that credit line is the problem, so I kept trying the card an entered my pin. After giving up, I tried one of my other credit cards ( XXXX XXXX ) and they too were declined, as the terminal said that I had " tried too many times '' for this transaction. In the end, I had to leave the counter, go to the ATM, and get {$300.00} cash, for which XXXX ATM charged me $ XXXX. 

Upon calling XXXX/TD Bank, they asked for updated income but then refused to increase my credit limit. The representative said that they will only update my credit limit through their monthly process, and IF I am eligible, they would contact me via postal mail. When I asked what is their eligibility criteria for line increase, the representative was not able to provide any information that I could act on, as a customer. 

In summary, even after paying in full at the end of each cycle and updating my income, I am unsure if and when XXXX/TD Bank would increase my credit limit. This does not seem like fair practice of providing justifiable credit to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Several months ago I began inquiring into my credit as I keep hearing that we should make sure that no fraud is going on with your information. When I saw my report I did n't see any fraud but I did see a lot of information that was incorrect. I began the process of disputing the accounts with all XXXX national credit bureaus to have the inaccurate information corrected. For the most part it went smoothly. XXXX, XXXX XXXX, and Equifax managed to delete or correct all the accounts that I disputed on their respective databases. The problem began when I re-ran a full report to see what my report looked like after all the accounts were corrected. 

Although Equifax corrected or deleted all the accounts I had disputed, they added an additional public record on my report for {$38000.00}. Because I had already disputed over {>= $1,000,000} in erroneous public record debt from my report, and Equifax had already investigated and corrected them all, I assumed this was just an oversight on their part. I decided to dispute the account from my report thinking it would be corrected as I do not owe the debt. Well Equifax came back stating that the record was verified. When I received their results XX/XX/XXXX I decided to look up my personal records to figure out when I filed Bankruptcy as my memory is n't exactly what it used to be and I was sure that I filed any and all tax liens on my Bankruptcy. Sure enough my Bankruptcy was both filed and discharged in 2011 which was several years after the tax lien was filed. Because I had my records in order I decided to have Equifax re-investigate this account as it is obviously not owed. Once again Equifax gave me results on XXXX XXXX stating this was verified. 

At this point I am getting increasingly frustrated at Equifax as they are claiming to verify information that is impossible to verify. There is no debt owed as all my debt including tax liens from before 2011 were discharged trough my Bankruptcy. Equifax is either not investigating properly or not investigating at all. I would like you to look into this for me as I am XXXX and have little taste for nor the inclination for a lengthy and expensive litigation. However if it is what I must do to clear my good name I will be forced to do so. I am just hoping that through your investigation Equifax will see the error of their ways and will correct their misrepresentation of my credit and name.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Private student loan) with SLM CORPORATION (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: BACK IN XXXX OF 2008 I SUBMITTED 2 COPIES OF MY POA TO SALLIE MAE. I WAS TRAVELLING IN AND OUT OF THE COUNTRY A LOT. THUS I WANTED MY MOTHER TO HAVE ACCESS TO MY STUDENT LOAN ACCOUNTS. TO ASK QUESTIONS, REQUEST DOCUMENTS FOR ME, MAKE PAYMENT, AND PROVIDE THEM WITH INFORMATION. WHILE TRAVELLING IN XXXX I RARELY HAD SERVICE AND WAS LATE ON A FEW PAYMENTS. THEY WOULD CALL MY HOUSE BUT WOULD NOT SPEAK WITH MY MOM. I PROVIDED THE POA AGAIN TO THEM VIA EMAIL AND FAX. THEY STILL WOULD N'T SPEAK WITH HER. CURRENTLY I SEND IN A COPY OF MY STANDING POA IN EVERY YEAR. SINCE THEY HAVE CHANGED TO XXXX I HAVE EXPERIENCE SIMILAR PROBLEMS. SOMETIMES THE PERSON WILL SAY YES WE HAVE IT ON FILE. OTHER TIMES THEY WILL SAY THEY NEVER GOT IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Credit card) with Asset Recovery Solutions, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent a letter asking for this information. Did not get anything.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian continues to report XXXX XXXX XXXX account ( XXXX it was charged off and sold XX/XX/2009 it is passs the statue to report.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX I discovered my personal information had been compromised due to Equifax 's negligence. On the same day, I was offered a free period of monitorying by Equifax. However, this action does not solve or compensate victims of Equifax 's gross misconduct, incompetence, and negligence. Equifax 's business revolves around consumers ' personal information, and allowing hackers to breach their system, affecting half of the United States, is unacceptable. As with other affected consumers, I was not contacted by Equifax notifying me of improper use of my personal information. Moreover, Equifax discovered the security breach on XXXX XXXX, and did not make the information public until XXXX. Personal information, including but not limited to Social Security numbers, full names, addresses, and credit card information, holds monetary value and can lead to inidividuals ' financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: I have a high risk, subprime high adjustable interest rate 1 family mortgage that keeps rising in interest rate. When the market crash in XX/XX/XXXX, I had lost my job and could not keep up with paying my rising mortgage. I got sick and was placed on social security XXXX starting XX/XX/XXXX. I always tried to resolve with the many changing, swapping banks who is currently XXXX XXXX. I bought my house from XXXX XXXX in XX/XX/XXXX. I am currently negotiating the loan modification with lender, MR COOPER. I never did business with Mr Cooper who is currently charging me above 7.5 % interest rate. Is this legal? This is all just like the XXXX movie, XXXX XXXX XXXX. 
In XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX ( represented by XXXX, XXXX XXXX XXXX XXXX ) was successful in getting a notice of motion for Judgement of Foreclosure and Sale after many attempts. They also add a name XXXX XXXX to my lawsuit as if she is partial owner to my property when she has no ownership and I never know or met any such person. I am now getting calls everyday almost from investors to buy my so-called 2 family house ( I don't own a 2Family-I own a 1 Family ), This is important because of the misleading equity. Mr Cooper will not give me a fair interest rate for a loan modification. These banks are all about greed and I think they already made their money on this property yet they want to take it away from me so they can sell it to someone new and start the bidding all over.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Over the years I was steered toward taking multiple forbearances while struggling as a young professional. I was encouraged by XXXX XXXX and navient on multiple occasions over the years of XXXX to XXXX to take forbearance on my loan since I had a very high cost of living in XXXX XXXX. Over that period I feel like I was recommended that course of action every year when I would call to tell them I was poor and struggling. They managed to get several thousand more dollars out of me and I will be paying my loans until I am XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying on my loan of {$48000.00} since XX/XX/XXXX. its its XX/XX/XXXX and the balance is still {$47000.00}. When I call The company for the total interest I owe on the loan they say they cant give it to me. My interest rate is only 3.375 % the lowest but on some payment my whole payment went to the interest and not the principle. I have paid a total of like {$17000.00} according to my calculations and {$13000.00} in interest alone. 
The company says I have only paid a total of {$15000.00}. I disagree but this is what they say

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was not able to update my dispute information and upload files this evening. Person I spoke to this evening around XXXX at TU barely spoke XXXX. I dont think the credit bureaus should put your dispute on lockdown after you submit it.

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 01/13/2018 about Checking or savings account (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: when to get my money out the bank refuse to give me my money because I did know the names of my business I was and a very car accident over a year half ago and I forgot I have that account but I gave my social security number and it was the same account and along with my identification

Company response to consumer: Closed with explanation