milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2016 about Mortgage (FHA mortgage) with BB&T CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Hello I have been trying to work with BBT on a loss mitigation package for assistance. However, it seems that they are intentionally failing to log in received documents and failing to follow through with return phone calls. For example they called and asked for profit/loss statement, then asked for it to be for the 3 months prior which would be XXXX, XXXX XXXX 2016, then asked for it to be individually stated. Each time I give them what they asked for and it was never acceptable. Then the next step it was n't received. Every time you speak to someone its a different request. Then they stated they were missing information on the bar assistance, why not tell me that in the beginning. Then you send it what they asked for then its missing this column. Ok, now back to missing the profit loss. I think they game me the run around to get the foreclosure in. I fax and email them the requested documents each time and when you call to verify it takes time, You call back after a few days, oh we apologies we do n't see it. I also asked for supervisor to call me no return call! But then they see in the system where the request was made but do not know what happened. I called today to find out that it was denied. I received a foreclosure letter with 20days to respond on XXXX XXXX. i mailed in the response today, I tried to make a payment in the amount of {$15000.00} to the bank and could not. I was on medical leave, XXXX. I had to start a business this summer if not I would have been homeless and on the street. I need help to save my home and to receive and ethical professional service from BBT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had a student loan out with Navient and I called them to discuss being a teacher for a non profit organization about 7 years ago. They told me I would qualify for the Non profit forgiveness loan but I have wait 6 years and then {$8000.00} would be forgiven. I called them multiple times to follow-up and they gave me the same information ( phone calls are on record ). After 6 years I called and they told me we needed you to sign a form, you have to wait another 6 years now. A form was NEVER mentioned prior, I obviously would have done it, I even made follow-up phone calls to ensure I received the forgiveness, and I was never made aware of having to sign something. When I was obviously upset on the phone, the enployee told me Navient had been cheating their customers for a long time, it was announced 2 days prior to my call, and I should join the class action lawsuit. The lawsuit seems to be about late payments, which I wouldnt qualify for. I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Recovery Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: constant robo calling

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

Complaint: This morning I was made aware that my sensitive personal information ( including my Social Security Number, Date of Birth, address, Driver 's License information, and credit card numbers ) may have been obtained by unknown hackers from the credit reporting agency Equifax. 

I immediately checked the website Equifax established for those affected, www.equifaxsecurity2017.com. I was panicked, and wanted to do everything I could to protect myself as quickly as possible. I was concerned when the registration form asked for the last six digits of my SSN rather than the four that are typically required -- especially given the circumstances -- but communication from Equifax and other officials was poor so the whole situation felt urgent and uncertain at the same time. I decided to complete the registration despite my reservations.
Shortly thereafter, I discovered that I may have waived my rights to a class action lawsuit by registering for this website. While Equifax did make the following statement on their website www.equifaxsecurity2017.com claiming that the waiver would not apply to this latest cybersecurity incident, my trust in their intention and ability to handle this situation with integrity is somewhat compromised : " NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and XXXX XXXX terms of use does not apply to this cybersecurity incident. '' As a modern American citizen I have no choice but to participate in the credit system. Even something as simple as getting an apartment demands the exposure of my most sensitive and vulnerable information. Throughout these ordinary experiences, I have implicitly trusted that those responsible for collecting and protecting my information would exercise unfailing vigilance. With hundreds of millions of lives at stake, the enormity of that responsibility can not be understated ; their catastrophic negligence in this matter is equally difficult to articulate. 

Equifax is responsible for the protection of our financial lives at no cost for the rest of our lives. Nothing less. Any legal, financial, personal, or other problems that may arise from their negligence is also their responsibility to bear. They violated a sacred trust that we had no choice but to grant them. They deserve to suffer the fullest extents of civil and criminal justice, and I will not be denied my own justice because of a sneaky waiver in an urgent situation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Auto) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Frederick J. Hanna & Associates , P.C . Attorney XXXX XXXX XXXX filed a Civil Action against me and was awarded a Judgement because they falsified the Affidavit Of Service stating XXXX XXXX XXXX served me the Summons by serving my wife. I 'm not married and was not living at the address where they claim the Summons was served. The date of service was XXXX and I moved from the resident on XX/XX/XXXX as documented in the enclosed attachments. The Plaintiff was awarded a Judgement of {$2400.00} plus attorney fees, interest and court costs. The amount is now {$4400.00} and a Judgement on my credit. As result of the Improper Service of the Summons, I was unaware of the Civil Action against me and did n't have the opportunity to defend the charges against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Managing the loan or lease

Complaint: I upgraded my son 's XXXX in XXXX 2016 at the XXXX and set up the Personal Loan through Citizens One. My credit card expired after the first installment and when I tried to register for an online account to manage the account and set up a new card, the screen would go blank after completing all of the information. After XXXX attempts, I contacted customer service who recommended that I use XXXX XXXX or XXXX instead of XXXX ( this is an XXXX loan through XXXX ) Then I attempted to pay through the automated phone system and was told that they did not accept Debit cards. I called a 2nd time and was told to clear my browser history. Doing that would have cleared out the XXXX other windows I was intentionally keeping open because I was actively using them. A third phone call to request the information to set up automatic online bill pay through my bank was as unsuccessful as they " do n't do that '' nor do they take paper payments. They offered to take my bank account and routing numbers for them to keep on file. I declined as I had already spent 90 minutes on this problem and did not have my checkbook with me. I expressed my complete dissatisfaction with their Customer Service and explained that this had taken up an hour of my day. Never has it been more difficult to pay a bill than it is with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I file this third complaint with the CFPB against Navient ( formerly XXXX XXXX XXXX for the following reasons : In Navient 's response to the XXXX prior CFPB complaints I filed last year, Navient indicated they would include a note to credit reporting agencies indicating I was disputing the debt Navient was reporting. In reviewing my credit report in XXXX 2016, I find that Navient has failed to report to credit reporting agencies that I am disputing the debt Navient has refused to provide me with a breakdown of the payments I have made to them and what portion of those payments have been credited as interest, principal repayment, fees, and penalties Navient has refused to provide me with the formula they used to calculate the amount they claim is owed Navient continues to negotiate in bad faith. Last year, Navient extended to me an offer to settle the debt. However, Navient did not convey the details of this offer, nor the fact that they had even made the offer, to the debt collection agency that they employed and advised me to contact to finalize the offer. When I informed CFPB and Navient of this fact, Navient then distorted the facts and suggested I mislead the debt collection agency. I did not - the debt collection agency had no knowledge of any settlement offer. Navient subsequently threatened that if I refused further calls from yet another debt collection agency, they would not honor any prior settlement offers Navient has now employed yet another debt collection agency that has begun contacting me at irregular hours. I have contested this debt, complained about Navient 's deceptive, unethical business practices, and have attempted to negotiate with Navient in good faith to reasonably settle the debt. Considering there can be no question that I have disputed this debt, Navient 's use of another debt collection agency is nothing more than another attempt at harassment and intimidation Prior CFPB complaint numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Problems caused by my funds being low

Complaint: I am not opted in to any overdraft " protection '' at my bank. They allowed XXXX debit card transactions to complete on my account for XXXX and XXXX. They stated that even though they are debit card transactions and not electronic funds transfers or checks, they are not considered " XXXX '' debit card transactions since they are paid at the same time and amount every month and I am therefore not protected by consumer protection laws for these transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with Synovus Bank (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: There are hard inquires on my credit report that I did not authorize, I filed a dispute to have them removed or show proof of authorization and they did not remove or show proof that I authorize the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a collection account on my Experian and XXXX credit file from XXXX XXXX in which I 've never had any account with. I 've disputed this account for a very long time with attached police identity theft report and have even contacted XXXX regarding the account. They recently told me on XX/XX/2017 that they did n't know why it was on my credit file because they were no longer reporting or updating the account with any of the bureaus. Also, it was a fraudulent application in which the card was issued to some address that isnt mine and XXXX acknowledged that. A proper investigation would clearly demonstrate that it was never my account. I requested that Experian and XXXX remove it at once and I 'm still demanding so. Experian I 've contacted by certified mail dated XX/XX/2017 and sent at XXXX XXXX that day. They claim they verified with a letter sent to me dated XX/XX/2017. XXXX says they have not validated, reported, or updated. How is it that these agencies ( Experian & XXXX ) continue to report this account?

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 01/28/2018 about Debt collection (Medical debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is collecting 4 debts for XXXX XXXX Emergency Room, listen before you guys are making up your bills, you need to make sure that it's real. Or I'll take legal action for destroying my reputation. I went to see a doctor at XXXX XXXX not in the emergency room, I had an appointment. I had my insurance, and was covered. And I went there only once in my life. I never seen those 4 collections, if we'll have to take care of that in court. Because you guys are all over my report for false debts. Now if you don't go ahead removing these false reports from my credit reports. I'll file against XXXX XXXX XXXX in court. That's a totally destruction you guys are doing to me, it hurts my credits reporting debts that even you guys have no ideas where the hospital got them { { { { { Opened : XX/XX/XXXX ( 3 yrs, 7 mos ) Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 2 yrs, 6 mos ) Account status : Open Amount : {$310.00} Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Amount : {$300.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 4 yrs ) Account status : Open Amount : {$38.00} Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested my credit report from Experian on XX/XX/2016. I was refused a copy of my annual credit report. Experian mailed me a rejection letter stating I was sent a copy of my credit report in the last 12 months. 

I never requested a copy of my credit report in the last 12 months and never received any sort of copy of my credit report from Experian in the last 12 months. 

I need a copy of my credit report as I have been denied a refinance on my home. 
I applied for a mortgage with XXXX and XXXX XXXX XXXX and was denied because of my credit 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 non-monetary relief
Consumer complaint received 09-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am divorced from my Ex husband since XXXX 2015 and he has moved to XXXX, Washington for over a year. He has taken his car the XXXX XXXX XXXX and i am already removed as joint owner. Please remove the XXXX XXXX debt from my credit report. 
Also XXXX has a Debt of {$580.00} for a XXXX under XXXX XXXX. this person is not me and I have no clue who this person is. I have complaint to XXXX. Please remove this person debt from my credit 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 non-monetary relief
Consumer complaint received 06-04-2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I fell behind in my Mortgage XXXX of XXXX, I was put on a Repayment plan with Bay View Loan Servicing, I ended up making multiple payments, My balance for XXXX ended up being {$4.00}, XXXX so I mistakenly made XXXX payments in the month of XXXX XXXX payment was for $ XXXX XXXX XXXX at this point my balance was {$4400.00} so I made Additional payments on XXXX XXXX {$2000.00} and XXXX XXXX {$890.00} I was told be Representatives at Bayview loan Servicing that I was fully paid through XX/XX/XXXX.I then receive a Statement for XXXX XXXX stating I owed for XXXX {$2.00}, XXXX What is so confusing I begin to receive calls from People saying they wanted more money than once I called Bayview a man by the name of XXXX said do n't worry trust his words I am paid through XXXX. On XXXX XXXX XXXX I called to inquiry about this additional payment for XXXX another Representative stated that I still owe for XXXX at this point I am Stressed completely out of my mind, I begin receiving letters from Bayview loab Servicing with no name on the letter trying to Threaten me and Exstrot more money out of me, I could n't believe what was happening, I also noticed that my XXXX statement did not have the additional XXXX payments that I had over paid Bayview leaving Bayview to owe me $ XXXX I am warning everyone who deals with these people to read carefully and Demand statements from Bayview and other Companies that Claim to be helping you make home Affordable act. They could be ripping you off!

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am writing because I have been paying Navient since 2007. I noticed about six months ago that my bill is not going down. I am now having issues with paying my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 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: Information belongs to someone else

Complaint: I have contacted Transunion at ( XXXX ) XXXX, as well as in writing, stating that XXXX inquiries on my credit report are invalid and unauthorized. These item 's remain, and I have been a victim of identity theft with a fraud alert placed for my protection on my report. I have continuously been told to contact the lenders and companies that have done the inquiries, and that transunion can not dispute or investigate on my behalf. Please assist. This has been affecting my credit report for months, and still no resolve.

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 05-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with Crow Creek Sioux Tribe (NH).
Issue: Charged fees or interest you didn't expect

Complaint: We would like to submit a reoccurring complaint for close complaint #  XXXX . Although we appreciate the office from MyLoanSite.com there are still  XXXX  facts that are n't addressed in their resolution offer : # 1 - Dakota Lending ( dba MyLoanSite.com ) is not a licensed financial institution in the state of NH and therefore can not legally loan money to residents of the State of NH.      # 2 -  The highest legal loan percentage that a registered financial institution can charge in the state of NH is 36 %.     Lastly, in full disclosure, I have also contacted the New Hampshire Banking Department and New Hampshire State Attorney Generals office and have filed complaints with these agencies as well. I am more than happy to remove these complaints should we move towards an acceptable closure.

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 01-08-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Reporting on my credit reports and they have removed the account and then added it back a few weeks later. They have been unable to verify any information. They agree to delete and then I see they put it on there again. And I dispute again and again ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Sent letters to Experian disputing the inquiries on my credit profile. Experian could not provide proof with my signature signing up for any of theses creditors services. All of the following inquiries are inaccurate and unauthorized : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/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 explanation
Consumer complaint received 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Closed XXXX network account and being charged after told it was not an issue if I sent the equipment back by using their shipping boxes, which I did. However, they still charged me afterward.

Company response to consumer: Closed with explanation