milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have overnighted on my account a cashiers check for XXXX I also listed instructions on how it should be applied and the fees I am disputing due the incompetence of BSI. They were charging fees with no explanation. Claiming I owed XXXX which I did not and my account should be fully reinstated which it is not as well as of yet. The check was signed for on XXXX/XXXX/16 and I requested my SPOC XXXX XXXX contact me and he has not. There should be XXXX lawyer fees as I appealed the loan mod denial and they claimed I did not and illegally filed a NOD violating CHBOR. Stated I had excessive obligations yet I was able to pay this did not offer any other options and were not thorough on how they are handling things. These violations have been taken to attorney. BSI is illegally handling loans and I have been proving it. Everything is also now being sent to FDIC as well as copies of cashiers checks to XXXX whom they claim I owed nonsense money too. XXXX actually owes me for excessive forced place insurance which was proven in lawsuit already. BSI needs to rescind the NOD immediately and have yet to do so. I am attaching copies of check and letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (DC).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo offered me a loan to finance a car several years ago. The rate was 23 %. I signed the loan. The car after XXXX years became worthless. I relinquished the car. They took it back. That was about XXXX years ago. They then went to XXXX when I tried to have the write off removed from my credit and began reporting it again in XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This item is n't mine XXXX XXXX XXXX I would like this removed

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 07-06-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Portfolio Recovery- XXXX, contacted my employer about my debt. Its against the law, now I have been placed on evidence with the people I work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.

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 03/24/2015 about Credit reporting () with Equidata, Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hi, One of my bill suppose to be waived because I have Charity funds for my medical expense during that period. I tried to provide information to my credit collection agent Equidata. but they said i have to ask the original creditor mail them information. Unfortunately, i called all entire XXXX XXXX or XXXX department, I could not find my original creditor. No one has any knowledge about that bill and they said my account balance is XXXX. 
I attached document below. Hope you can help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Struggling to pay mortgage

Complaint: On or around XX/XX/XXXX, I applied for a short payoff of {$130000.00} with my mortgage Servicer Select Portfolio Services. I was notified a few weeks later that my request was denied. I called and was advised that I can file an appeal which I did. I filed the appeal on XX/XX/XXXX, but this time received a modification which is only saving me {$50.00} per month. 

This is the reason why this plan the mortgage company has for me is not working. The amount of outstanding balance is {$180000.00}, the adjustable interest rate is 10.25 % and my payment is {$1900.00} per month. The property appraisal which was recently conducted by the mortgage company is {$130000.00}, this means, I am {$46000.00} in the hole. Select Portfolio Services does not do refinances so they can not help me in this area. 

I applied for a refinance with another mortgage company which offered me a FHA 4.00 % fixed rate of interest with an approximate payment of {$1000.00}, this is a savings of {$870.00} per month. The only thing that is preventing me from getting this refinance is the loan to value of the house. 

I know I should not have signed the original loan but, my husband and I were senior citizens and did not fully understand that the rate was going to get so high. We had to file a chapter XXXX which got discharged a few months ago in order to keep the house. My husband XXXX who is also on the loan is XXXX years old and working FORTY hours per week as a XXXX XXXX just so we can pay the mortgage. Lately, his health has not been good and within the next six months, the doctors advise him that he must stop working. I am XXXX years old, have some health issues also and is getting ready to retire in XXXX of next year. After retirement, we can not afford to keep this house with this same payment. 

We are older and would love to stay in the house since it is custom made for us. It is hard as senior citizens to pack up and move. We are trying to keep the house, but is in desperate need for your help. We were senior citizens when we refinance this house and should have never been given such a high interest rate, this is predatory lending, we were definitely taken advantage of. By doing a short payoff, we can get a much lower interest rate which will in turn lower our payment by {$900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called while I was at work ; they knew that. I asked them for the address, quietly and repeatedly to where I could send the money. She kept trying to force me to give her a " post dated check '' over the phone ; even after I explained that I could not do that because I was unsure when the money would get here. She then stalled to keep me on the phone to ask for information she clearly already had, phone number, email, etc. To be really honest, if I can close on this home within the next 30 days ; because of this persons actions ; I would rather take out bankruptcy rather than give them the {$110.00}. I know that seems stupid ; but she knew that what she was doing was wrong.

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 03/22/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: I am contacting you for assistance in initiating a dispute with TD Bank in regards to excessive overdraft fees. I have a checking account with TD Bank and I am enrolled in TD Bank Overdraft Protection Coverage. However, TD Bank has been for a long time abusing this enrollment and excessively charging me fees. TD Bank does not properly allow their clients to be aware there are pending transactions on an account due to their outdated processing system which can take even up to three days to reflect an instant debt transaction on an account. TD Bank on Saturday and Sunday do not reflect any transactions not even as pending, then on either Monday or Tuesday they process transactions since Friday night and they are not processed in chronological order so they deduct from all those days ll at once starting with the transaction with the highest amount leading to multiple overdraft fees for transactions that were done when the balance was available. 

I was informed by multiple representatives of TD Bank that if an account goes into overdraft and the account is brought to a positive state on the same day by XXXX XXXX Eastern Standard Time an overdraft fee will not be applied. On Tuesday, XXXX XXXX, 2016 my account went into negative standing, However on the same day I made a deposit of {$22.00} at XXXX XXXX EST. which brought the account to a positive standing of {$0.00}, my receipt also reflects this. TD Bank charged me XXXX over draft fees of {$35.00} each. I believe it is unfair and misleading that TD Bank does this because there is no way for me to reference my transactions with them. Since this bank is not updating their processing system as mandated I can only go by the information that is provided. As I stated above my balance reflected a positive standing within the cut-off period of same-day processing. I attempted to resolve this with TD Bank directly ; I spoke to a manager XXXX in the New Jersey Contact Center but they refused to assist me and they were extremely hostile with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you XXXX be liable for your willful non-compliance.

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 08-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I received a loan from XXXX XXXX, my account was given to Navient and they do not do forbearance andit very hard for me due to my financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX XXXX, 2015, Experian charged my XXXX XXXX credit card {$59.00} for credit motoring which did not order. They got credit card information from last year when I purchased to view my credit score. I call and disputed the charge on XXXX/XXXX/2015 and they only returned {$29.00} on XXXX/XXXX/2015. 
I would like Experian to returned the full amount. 
Thanks in advance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Dear CFPB, First of all I'm incredibly grateful for your existence. Consumers do need protection from predatory lending corporations and corrupt banking institution 's with inflated interest rates that are impossible to pay. 

Realistically the average college graduate does not earn the amount that Navient, XXXX XXXX and other fraudulent lenders are billing them. Even upon negotiating the monthly amount, the interest rate incurs a debt that is greater than the amount lent to the individual. I'm sure you are familiar with these institutions and their predatory lending practices. 

After discovering this for myself I applied for various forbearance, deferment, and debt forgiveness programs. Unsuccessfully, for the past 10 months I have been recieving daily computer automated calls from Navient and XXXX XXXX XXXX or more times and each time they leave a message leaving a generic name and call center number. 

Is there any way I can sue these companies for calling me so incessentaly for the emotional strain it's causing me? I'm aware that there is a automation making the calls but there's a person on the other end. 

Finally, I'd like inquire for the investigation of the demographic whom these loans are targeting, in actuarial terms the lending institutions have access to the database of statistics predicting the defaulting of the debtors on their loans. Firstly the inability of the demographic to attend colleges or universities without the loans, and they repayment structure is built on the fact that the majority of graduates or non graduates can not pay the full balance immediately or within a time frame that the loan does not accrue an inflated interest rate that values the loan higher than the actual tuition costs. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have been a customer of XXXX XXXX card for years I have never missed a payment on my account. A few months ago the account was paid in full, so they informed me that there was a {$5.00} fee to keep the account open even if the balance is 0.  One month I made my payment online like i do every month. However i made the payment twice, my bank flagged the transaction as fraud. I told them it was an accident that I click the submit button twice. There was a stop payment, I was not aware that it was permanent. So i kept making my payments through bill pay. I have never received a call or email from the credit card company. I am in the process of purchasing a home, I am expected to close next month, I have given notice to my apartment complex. On XX/XX/XXXX, I received a credit alert that they reported my account as nonpayment for 30 days. My children and I have literally no family here in Texas, if this affects my closing. I have offered to get it taken care off, and remove the mark on my credit, spoke to a supervisor and literally they hung up on me.

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 09/25/2015 about Credit card () with BARCLAYS BANK DELAWARE (IN).
Issue: Rewards

Complaint: Barclay 's Bank closed my Barclay XXXX Card on XXXX XXXX, 2015 without notice and for no apparent reason. They simply sent me a letter indicating that " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement ''. At the time of closure, I had accumulated XXXX miles on my Barclay XXXX Card, but I can no longer access those miles due to the sudden closure of my account. It is a deceptive business practice to tell me that I can earn and redeem miles, but then just close my account out of the blue without compensating me for the value of the rewards that I earned. Barclay 's website states that you can " redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption ''. Therefore, the value of XXXX miles would be {$1300.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which could then be used for another redemption of {$130.00}, etc. The total value of those miles after just XXXX redemptions is worth {$1400.00}. It appears very deceptive that Barclays Bank would encourage customers to earn these miles and then close an account without notice or reasonable cause. I have been an excellent customer. My XXXX score has ranged between XXXX to XXXX over the past year, according to Barclaycard itself. I have never made a late payment, nor had a bounced payment. I have typically paid early because Barclays Bank sends out emails, stating " Why wait? Make a payment now '', encouraging early payments before the due date. Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as offering XXXX extra points per dollar spent by buying XXXX XXXX XXXX XXXX through their Barclays XXXX XXXX online shopping portal ( See attachment ). I have done that and I have been deliberately trying to earn miles because Barclays Bank claims repeatedly that " there 's no limit to how many miles you can earn '' ( See attachment ). It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, and then suddenly remove those rewards from me without any notice or warning. I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The Navient website will to allow me to make an extra payment to principal. I only have my loans at XXXX % interest. When I make a XXXX payment, XXXX goes to principal and XXXX to interest. I do n't understand this. My total loans are around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I believe I am one of the debtors that Navient has " systematically and illegally '' failed. I have been paying back my student loans since 2009, I have had my payment plan switched multiple times, and I have even made payments directly to the principal and yet it seems like the amount I owe has been coming down at a snail 's pace. Virtually zero information has ever been shared with me and anytime I called in to talk about my loans, I was just moved to another plan which, based on your allegations, makes me think I was moved to whatever the corporate mandate was at the time. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (PA).
Issue: Billing statement

Complaint: Navy Federal refuses to give me statements for my account. They have taken away access to my account. I have no idea on purchases that were made on my account, because they are withholding statements. I am hereby refusing to pay now since they refuse to tell me anything about my account. I have supplied them with my identification like they requested before but still nothing. I am attaching identification again with this. If any negative activity appears on my credit report I will pursue legal action with the courts against Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting on credit file un-rightful due to this is not my debt. I have given a police report to the company. I have spoke to XXXX asking for XXXX the company name, number, address no luck. XXXX is not giving me any information on how this debt is mine. I ask my original documented showing this is my debt. They are stating the debt is very old ( XX/XX/XXXX ) XXXX YEARS OLD in is no longer in there system so they will not be able to send original debt. Please help remove this debt for my credit report. I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. 15 U.S.C. 1692 ( c ).

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 07/23/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone opened this account under my name and a like social and different address etc. I have file a complaint with XXXX and they refuse to remove the account from my credit bureau. I have written to them 3 times and in none they are able to provide me with information that shows this account is mine nor that I opened 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 non-monetary relief