milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 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: When I first started having issues making payments, I was told I should get a forbearance but only if I paid a {$150.00} fee. That {$150.00} fee was a processing fee that {$0.00} of went towards my loan. There was a petition and protest about this a few years ago and they finally stopped doing that but I was forced to pay that {$150.00} fee a number of times before they ended that practice. Whenever I called to talk about figuring out a payment plan or lowering my payment, they were very unhelpful and I usually ended up in tears. It was never an issue of them honestly not being able to lower my payment, they just wanted me to pay more. I was asked by a number of reps if I could get money from family or work a XXXX job and even told that I was being irresponsible by not being able to afford the monthly payment. I am no longer under their thumb as my husband and I sold our house and the first thing we did was settle on our loans so we would n't have to be harassed by XXXX/Navient anymore. My husband and I each had cosigners on a couple of our loans. My mother and father were each cosigner on a few of mine and they were harassed repeatedly by XXXX XXXX. I asked them to stop calling them and they told me I had to send a letter in to them by mail to request that. I did so and found out later that they continued to harass my parents. When I contacted XXXX XXXX to ask why my request was not being followed I was told that they received my letter and had it in their system but they did n't have to follow it because I had not hand signed it ( which I believe I did do ). I have a brother-in-law who lives in XXXX and is fairly well known there. Someone from XXXX XXXX called his house and talked to his wife asking about my loans. When I called and asked what that was about they said they could n't get ahold of me so they wanted to get my attention. My husband 's grandparents were a cosigner on one of his XXXX XXXX loans as well. His grandmother passed away a few years ago and his grandfather remarried. His grandfather had moved to XXXX and was in XXXX and they were calling his wife 's house and sending letters to harass her. After he died they even tried going after his estate. XXXX XXXX is the most despicable entity I 've ever encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with A-1 Fast Cash of Tucker, Inc (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On Several occasions I asked the title loan company A1 Fast Cash to not call me. I blocked their number numerous times and had to change my number. On XXXX XXXX I received numerous text messages from company and requested they stop. Company ignored me and started sending threats of being in jail and sent messages through group chat with other callers that I did n't know of false warrant documents with my personal information I asked again for this to stop they refused. After research the text they sent was false trying to scare me with fake warrant documents for a county I never lived or been in. The actions on the company behalf does violate me and I would like it stopped.

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 06/16/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company XXXX XXXX XXXX called and left a automated voicemail on my machine they say someone has filed a complaint against me call to find out who it is. I call they say Bank of America is going to sue me. And I have to pay this debt. I say I have not had a bank of america card in 30 years. They say they will subpeona me and have a nice day. Please look into this. They call from XXXX number XXXX and XXXX both call back numbers left the same reference number. The scary thing is they have my social security number and current employer. You have to do something to stop these crooks. They violated all kinds of FDCPA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Continued attempts to collect debt that is not owed. I have never done business with this company and I have no idea who this company is. The right of subrogation does not exist for a stranger to this transaction. 73 AmJur 2nd, Section 90.AD Astra is a 3rd party collector and is not on the original creditor contract that was mailed to me recently. I have not received any documentation from AD Astra stating that they purchased this debt either. Once again, I did n't receive written notification prior to this collection being placed on my credit as the address that you all have on file is one that I have never lived at. By law, I have to be notified of my right to dispute this debt. If this account is not removed, I will be reporting this to the BBB once again along with the documentation showing that I do n't have a contract with AD Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (OR).
Issue: Trouble during payment process

Complaint: Our loan was sold, to a company with very poor reviews. We had never had an issue with our prior company, since the loan was sold they have failed to run payments, cashed cashiers checks for payments yet failed to credit them. We sent a XXXX cashiers check that was cashed XX/XX/XXXX. We sent another XXXX cashiers check that was cashed on XX/XX/XXXX and another XXXX on XX/XX/XXXX that I have verified was cashed but am waiting on the confirmation of the date cashed, believe it was the XX/XX/XXXX. That's XXXX we have received no credit for. Shellpoint says last payment was XX/XX/XXXX. They have made it impossible to refinance to get away from them by reporting us late since XX/XX/XXXX. Shellpoint claims we have an outstanding balance of XXXX yet we have sent XXXX in cashiers checks that have been verified from our credit union as being cashed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have been attempting to qualify for a loan modification for over three years. We have submitted countless packages and documents to the lender/servicer XXXX XXXX. To this date we have not received an actual response either granting or denying a loan modification. Instead every time we contact the lender they advise us that our documents are under review and we are instructed to submit more documents each time. To make matters worse, our mortgage/servicer just changed on XXXX XXXX, XXXX. The new servicer BSI, states that the last set of documents the previous servicer XXXX XXXX provided them are from XXXX. This is completely erroneous as we had provided XXXX XXXX with documents countless times since then, most recently on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Even after XXXX took over our mortgage on XXXX XXXX, XXXX, it took them over a month for our file to appear in their system. I continued to call them for weeks to no avail as our file had not been uploaded. This was time that was wasted by the servicer as during this period my loan modification could have been worked on. After finally speaking to a representative from XXXX who stated they had no financial records from me since XXXX, he advised me that I probably do not qualify for a loan modification because my actual loan is too delinquent. This statement was made without any knowledge of my current financial situation or the fact that I have submitted a substantial amount of financial documents to the previous servicer, XXXX XXXX. The way this has been handled by the banks/servicer is completely unacceptable. I currently have the funds and salary to qualify for a loan modification and save my home. This is my homestead and where I have raised my children. Given the chance of being provided a loan modification, I will be able to pay the monthly payments and save my home. I now have a sale date of XXXX XXXX, XXXX and am I still attempting to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My sister submitted a credit card application using her name, social security number, date of birth, and address but the application somehow was associated with me and my credit report was pulled resulting in a new hard inquiry. I helped my sister submit her application and I am 100 % sure that all the information was hers and not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received notification of a collection account with Southwest Credit Systems while in the process of applying for a mortgage. The account is showing with a date of XX/XX/2015. I have no knowledge of owing XXXX a balance and had paid them as far as I knew. Upon receiving my dispute letter from them, they responded only with a copy of a bill. This does not constitute as verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: Today XX/XX/XXXX I was reviewing my Amazon card transactions and noticed that every month I have been charged seemingly random amounts for " card security. '' I called and the customer service rep said it was an insurance program. I NEVER agreed to or signed up for this. She agreed to refund the last three charges, but I am concerned that there are more charges that I can not see as my transaction history available on their portal does not go past XX/XX/XXXX. The charges are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX is as far as the website provides for transaction history.

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting a debt of {$620.00}. I have no business with XXXX XXXX. They are a third party collection agency that does n't appear to be licensed in the State of Nevada. I am requesting that this negative account be removed from my credit report with all three Collection Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion allowed XXXX credit inquiries from various and same car loan companies to obtain information on my credit report without my permission. I have requested XXXX to remove these inquiries and they have failed to respond or remove the inquiries. Its illegal to obtain a persons credit report without their permission XXXX inquiries.

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 10/17/2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX called me claiming to own title to my debt to a XXXX account that is no longer in now Wells Fargo 's system. used current personal information to contact me and threatened to hurt my credit as well as put me in 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 06/24/2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On Friday XXXX XXXX, 2017 I received a call from XXXX at XXXX on my cell phone. When I answered the call an agent asked to speak with me and I responded " speaking ''. The agent then went on to state my address and and said she had some documents in from of her and asked if I had received documents from National Credit Adjusters. The agent failed to state the Mini Miranda before asking me questions.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IN).
Issue: Managing the loan or lease

Complaint: My daughter has a auto loan with Santander, she has had the loan over XXXX years. She still owes as much on the loan as she originally paid for it.. Her interest rate is 20.76 %. She was approved for a loan she could not afford. I have talked with XXXX XXXX at Santander and I talked with the woman in charge from the office of their president. She said no they could not help. They also refuse to refinance their own loan ... I asked for forgiveness on the late charges. answer was no. I asked to refinance, answer was no. i have helped her and she is now up to date. She signed this loan agreement. she was foolish. However i do feel like this company is taking unfair advantage of people. High interest rates. I wish they had just turned her down for a loan. I do not think she fully understood the terms of this loan. However no one twisted her arm. she was just stupid, and that hurts. Predators take advantage of stupid and foolish people

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. ().
Issue: Money was not available when promised

Complaint: PayPal are holding XXXX for 180 days as they say I violated thier terms of use. I really need this money to feed my family how can I get it back?

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Property was recently determined to be in a special flood zone requiring flood insurance. It is XXXX loan and according to their servicing guide the insurance requirements are as follows. 
Coverage for XXXX MortgagesThe minimum amount of flood insurance required for most first mortgages secured by one- to four-unit properties, individual PUD units, and certain individual condo units ( such as those in detached condos, townhouses, or rowhouses ) is the lowest of : 100 % of the replacement cost of the insurable value of the improvements ; the maximum insurance available from the XXXX XXXX which is currently {$250000.00} per dwelling ; or the unpaid principal balance of the mortgage. 

Additional requirements for units in attached condo projects, co-op projects, and PUDs are detailed in Requirements for Project Developments below. 

For a HomeStyle Renovation Mortgage, the flood insurance coverage should be in an amount equal to the " as is '' value of the property. This coverage must be increased, if necessary, following completion of the renovation work to ensure that the coverage meets XXXX standard coverage requirements. 

The property is neither a condo or PUD. My mortgage servicer, CitiMortgage, is requiring flood insurance per Citi 's guideline which is 80 % replacement of value and as a result which costs nearly XXXX times as much as the insurance required by XXXX. Have called Citi several times to resolve but they insist on charging the higher amount. 
Payment is jumping nearly {$200.00} a month for this extra insurance. I thought there are controls in place to prevent this kind of payment shock.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit card () with CITIBANK, N.A. (IN).
Issue: Late fee

Complaint: I believe that Citi is inappropriately not allowing people to sign up for automatic payments, in order to capture more late fees. I have called multiple times to Citi and have asked if they can switch that option on as every time I try to do this online, it wo n't allow me to. I 'm repeatedly told they are not able to do help me and I have asked to talk with a supervisor multiple times and not been transferred to anyone that can help me - either by switching this option on or by helping me through the technical issues when I 'm try to do online. I have tried from different internet browsers as well ( e.g. XXXX and XXXX ), and still does not work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Acct # XXXX Upon investigation, I have retained new copies of my credit reports, they did not furnish the credit bureaus with the required disclosure in 30 days. Original letter dated XX/XX/2016, 2 subsequent letters have been sent. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. In addition, I have requested verification with my signature as required by FDCPA section 807-8 but they keep claiming validation of account. 

I reported them to the BBB and they responded that they reviewed their records and had no record of my XX/XX/2016. I forwarded a copy of the letter and signed return receipt dated XX/XX/2016. They acknowledged my second later and marked my acct as disputed more than 60 days after my initial request and they provided me with no documentation bearing my signature validating the acct.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I get close to paying debt off they take it to court tack on another 2000 in fees I will never get this paid off at this rate

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NC).
Issue: Managing the loan or lease

Complaint: When making an online payment there is a multiple choice type selection for what you want to pay. XXXX is the payment amount, another is a custom amount, and another is the full balance etc. I accidentally checked the full balance. I did not realize this until I received a confirmation e-mail only minutes later. Calling the bank to try to resolve the issue while the payment was still pending, they were unwilling to help stating that they were unable. As an XXXX professional I am well aware from a systems standpoint what is possible and what is not. Any transaction based application or other form of software should have the ability to cancel or otherwise reset a transaction before final completion of said transaction. The only resolution I could come to was contacting my bank and putting a stop payment out there. Normally this would cost me money, but I was able to persuade my bank to waive the fee. What if this had not been me that caused this to happen? What if it had been a bug in the software, or someone had hacked my account? I realize that realistically the chances of this happening are exceedingly slim, however, not non-existent. I could understand if the payment had been fully processed and transferred to another system ( still I know there are ways to resolve if XXXX really wants to on a database level ), but this payment had not.

Company response to consumer: Closed with explanation