milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Today I received 3 envelopes from Navient -- one for bill/statement due for $ XXXX dollars due in a few days, one for 3 different minimum payments, one for how my payments would be processed. The one with the due bill showed that my student loan increased and I had to pay a sum I was unable to afford since I am a participant in the income-based repayment plan. Since I only recently attained a full-time job, I had n't been able to pay my loans before this year and only just managed to save enough money to not worry about paying my loan with my other bills. I never received any notification that my IBR plan was up for renewal ( which it normally is around tax season ) through the mail or an email. When I called Navient to ask about my IBR, I also asked why my student loan suddenly increased from about XXXX to XXXX ; I was told that I was being charged interest when in previous years I was told I was not going to be charged interest since I was a student taking out the loan rather than a parent, etc. I was also told that I would not be charged interest on a subsidized loan but would be charged interest on an unsubsidized loan -- I have both and saw on my online account that I was being charged interest for BOTH my subsidized and unsubsidized loans, from both of the universities I attended. I am being charged 4.5 % interest on the subsidized loans and 6.8 % on my unsubsidized loans. I even picked another month at random to check, and I picked a statement from XX/XX/2016 and compared it to the statement I was mailed ; the XX/XX/XXXX statement was the original amount I knew I owed WITHOUT any interest. I just applied to renew my IBR plan ( now I just have to wait to hear back after my application is processed ) and the representative who helped me put a forbearance through for this month so I would n't have to pay an amount I ca n't afford at the moment. I still do n't understand how I am being charged interest suddenly when I was under the impression the last few years that I would n't be charged interest and I could pay my loan without worrying about accruing much, if any, interest.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with Applied Resolutions Group (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt collector called me, my employer and my minor daughter. When told to no longer contact or speak to my minor daughter, they stated they would not agree to not call her. They gave out personal information to others. They have also threatened to get me fired. They have in the past threatened my parents as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing acquired the servicing of my mortgage in XXXX of this year. The mortgage was previously serviced by XXXX. At the time of the servicing transfer, the loan was escrowed for property taxes, but not for hazard insurance. This month, Specialized asked me for proof that I had insurance on the property. I immediately sent them a copy of the declaration page for my insurance policy. The insurance premium had already been paid over a month ago. However, Specialized proceeded to escrow my mortgage for insurance without my permission, they advanced my property tax escrow balance to the insurance company and sent me a letter demanding that I remit a {$1400.00} " escrow shortage '' to them.

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 04/28/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was late paying my property taxes. the county notified bank of america.Bank of america paidthe taxes by setting up an ascrow account causing my monthly mortgae payment to increase. subsequintly the county notfied Bank of America that I had indeed payed the taxes albeit late and refunded BofA. I asked BofA to remove the escrow account that is noe included in my mortgage payment. I explained that I am on a fixed income and can not afford the payment increas BofA refuse remove the escrow account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.

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 07/18/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: In  XX/XX/XXXX , someone forged and was able to cash out a check worth {$800.00} from my checking account, I filed a police report and filled out an affadavit. Fast forward to the next  summer o f   XX/XX/XXXX  I sti ll had n't had my situation rectified, so I visited   XXXX   XXXX   XXXX   Citibank and the branch manager   XXXX   could not tell me why my funds were erroneously cashed to a forged check, he was very hostile and rude and kicked me out of the branch. A few months later I received an {$800.00} refund from Citibank for which I was extremely happy about. Then in   XX/XX/XXXX  a r equest was made from   XXXX   XXXX   branch to have my account closed with no warning or reason. I called them to find out and the same man   XXXX   from   XXXX   XXXX   XXXX   is now branch manager of   XXXX   XXXX   Citibank, and I have never even been to that branch in person, which leads me to believe he ille gally closed my checking account as some sort of personal vendetta ag ainst myself since I had prevailed in the forgery check case from the year prior, which I can not even begin to understand how this man is allowed employment and be able to have such an abuse of power made available to him. I did nothing wrong and have never mistreated anyone at Citibank despite the massive frustrations they have caused me over the years, but this crosses the line and would like to pursue any and available legal recourse against Citibank and   XXXX   XXXX   branch manager  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 01-05-2018 about Money transfer, virtual currency, or money service (Refund anticipation check) with U.S. BANCORP (FL).
Issue: Lost or stolen check

Complaint: Prepaid Card Services of US Bank indicated to me by letter ( attached ) on XXXX XXXX, 2017 that I would receive a check for US {$500.00} in a period no longer than 10 days as a refund of the stolen money to my card finished in XXXX. 
After waiting 45 days, the check for {$500.00} was never sent. Since I do not know what problem they could have to send the check, in order to solve this problem.

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 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (VT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: When my husband and I tried to rent a home, we found out there was a debt on my credit report owed to a collection agency called Source Receivables Management. The debt was for a company called XXXX. I have never had a XXXX account. I called the collection agency and asked them to send me proof that the debt was mine. I did not get anything. I disputed the error with all XXXX credit bureaus. According to the bureaus, the collection agency verified that the debt was mine. I do not see how they could because I have never ever done business with XXXX. I called XXXX. They said I had to call the collection agency back. I called them. Some lady names XXXX said she was mailing a fraud packet. When I got it, it asked me to furnish a lot of documents I do not have. For example, they wanted a copy of my driver 's license. I do not have one because I am XXXX and can XXXX XXXX. I have been XXXX since my early teens and have never had a license. I called the collection agency and explained that. They said then that they needed a copy of my passport. I do not have one. I explained that because I am XXXX, I do not work and can not afford to get a passport. Then, they said they needed a photo id. I repeated that I do not have one because I do XXXX XXXX or work. Then, they said they could not help me and hung up on me!!!!!! I need this off my credit report so we can get low income housing apporved. Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: My account was closed after a check for {$100.00} did not clear. It was not presented a second time. When an attempt was made to take care of the overdraft using a second account ( business account ) at the same bank, I was informed they were closed. I had also received a letter from the bank telling me to not do anything further on the accounts. At which time I did not. On XXXX/XXXX/13 Fifth Third bank recklessly reported " suspected fraud '' but gave me no indication this would be taking place. I was previously working with the rep " XXXX '' in their fraud department who asked for a copy of the letter stating not to take any actions on the accounts in question. This document was supplied and I have had no contact with Fifth Third or it 's representitives since then and the remark is still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The collection with XXXX was placed into dispute back in XXXX. The dispute reached XXXX in the month of XXXX and was completed XXXX. XXXX states that on XXXX/XXXX/16 Experian contacted their office and XXXX advised them that the account was no longer in dispute and that the dispute was completed in XXXX. As per a conversation with Experian on XXXX/XXXX/2016, they are stating that this conversation never happened. That their records show the dispute as being completed but they can not update their notes removing the account in dispute information.

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 09-09-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In 2008 I contacted Bank of America for a refinance on my primary residenc. After some lengthy discussion I was advised of a HAMP program that would allow me to lower payments. After further explanation by BofA I was told that in order to qualify for this modification I would have to make payments less than required to be included in this plan. I initially refused as my credit was great and would n't want to damage it. The representative then assured me that they would block my credit reporting so that I could qualify ( received this in writing ). After retiring this in writing I accepted, signed paperwork, made the lowered payments as required for 3 months, and was told my the same representative that I was approved for permanent plan. Around 6 months later my credit began taking negative hits for late/missing payments. I reached out to the represent ice who assured me it would be fixed, 4 months later, still getting dinged on credit report. Now almost 8 years later they continue to report my mortgage delinquent and have ignored my emails, calls trying to hold someone accountable for their deceptive and unfair trickery. I have several emails/ documents showing their explicit deception and how I was let to believe I was approved and credit blocked only to be lied to and now they want to for lose on my home and hold me accountable for almost XXXX in law fees when they LIED to me and tricked me. Please help me hold someone accountable there.

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 10-05-2016 about Mortgage (FHA mortgage) with Fay Servicing, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I had problems paying my mortgage, I applied for modification and sent all fay servicing asked for. I called several times to find the status, the account manager kept saying that she will call me to tell me she had an update. I received a letter on XXXX XXXX that I was not approved. That letter was sent out on XXXX XXXX 2016. When I called My account manager said that she did not received anything yet, she checked and she saw the letter and confirm that i was not approved for modification, because I did not make enough money to maintain my house. She told me to sell it and get another cheap house. I said that I was going to rent one of my room to get more income. She asked me for a contract and proof of the money my new tenant gave me. I sent all she asked for on XXXX XXXX. The foreclosure was schedule for XXXX XXXX, 2016. I asked her several times if the foreclosure will be on hold, she stated it will. I email to her and her manager to make sure that they received the documents I sent and they never replied. so, I had a feeling that she was not telling me the thru. so, I borrowed money from a friend so I had {$7700.00} on my account ready to pay on Friday XXXX XXXX. When I call my account manager she said not to worry that the foreclosure will be on hold. I said that I want to make a payment, she insisted that everything was fine. on XXXX XXXX she called me after XXXX and said that I was not going to be approved with the appeal because we did not have enough time and that I needed to pay {$7700.00}. I had to leave my job and ran to the bank and make that payment. I believe that Fay Servicing are very unprofessional and that they want me to have my home foreclosure. After I made my payment I sent an email to proof that I made the payment. Finally I received an email from the manager saying thank you for the payment. I was told by my account manager that they were not aloud to replied the emails, but I made the payment and they replied to my email. This company is a reap off, they DO NOT help their customers. I am very unhappy with them, and I am going to do anything to have my mortgage with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX is showing up on my credit report 5 times with all three bureaus and they are n't licenced in the state of fl..I 'm resquesting that they be removed immediately from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. XXXX XXXX was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of XXXX mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by XXXX USA staff.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (CA).
Issue: Fraud or scam

Complaint: NETSPEND CLAIM # XXXX AND ACCOUNT NUMBER # XXXX THEIR LETTER DATED XX/XX/2015 C/0 THEIR FIRST LETTERXX/XX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with CITIBANK, N.A. (NM).
Issue: Credit determination

Complaint: I was sent a citicard pre-aproved invitation for their double cash rewards Master Card. This is the second XXXX they sent. When I went online to accept I was denied a credit card with them. Now my credit score is affected because I took their word that it was already pre-approved. Two times they have done this. I need these applications for pre-approved credit removed from my credit history. Can you do this for me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Other financial service (Refund anticipation check) with Dovenmuehle Mortgage, Inc. (NH).
Issue: Excessive fees

Complaint: My wife XXXX and I sold our house in XXXX ( NH ) on XXXX XXXX of this past year. The closing date was XXXX XXXX, 2015. At that time, {$1500.00} of the sale price was not returned to us due to a title issue, the funds being held in escrow by XXXX XXXX. The title company requested a corrective discharge from XXXX XXXX XXXX because they discharged the loan without having ownership of the it ( i.e., the loan ). They, in turn, have requested an assignment of mortgage from XXXX ( account # XXXX XXXX to XXXX XXXX XXXX in order to " make the discharge valid ''. Despite the many attempts by XXXX XXXX, Closing Coordinator at XXXX XXXX, all requests for action have gone unheeded. She was told in XX/XX/XXXX that there would be a resolution in 2-3 weeks, but nothing has happened. In the meantime, {$1500.00} of our money has been tied up for nearly eight months through no fault of our own. 

We are writing to request that your office intercede with the XXXX banks in resolving this matter on our behalf. Thank you very much for considering this request. 

Sincerely, XXXX and XXXX XXXX XXXX NH XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian continues to report a balance on a XXXX account that was settled in XX/XX/2017 ( see attached satisfaction letter and credit report ). Both XXXX   and XXXX  correctly report the balance as XXXX, however, Experian reports a balance of {$5500.00}. I have disputed this with Experian twice without success.

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 06/21/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Application, originator, mortgage broker

Complaint: I currently have my mortgage with Chase. I divorced back in 2011 and applied for an assumption to remove my ex wifes name. It was part of the divorce decree and my ex executed a quitclaim on said property. 

Chase denied my recent application for assumption citing that the modification had a XXXX year clause before any changes could be made to my exisiting loan. Upon reviewing the loan modification, which I have attached, I do not see where I had agreed or was aware of any such restriction. 

By order of the court/divorce decree in 2011, I called Chase and advised of my situation and looking for the best possible solution to resolve this matter. Chase send us the loan application to remove her name from the loan XXXX Assumption XXXX. Our bank loan processor was negligent in keeping us apprised our loan progress. After several attempts and weeks, we received a confirmation of a loan modification. Upon submission, our loan processor assured us that we could do both a modification and removal of her name in XXXX process. 
Upon receiving the confirmation paperwork, the only thing that was done was a modification AND Chase DID NOT removed my ex wifes name. This was the whole reason for us approaching Chase. We are very frustrated and are on the verge of losing our home because of incompetence and lack of good customer service on behalf of Chase Bank. 

As things stand right now, we are in contempt of court and will lose our home due to a technicality that I do not see in the mod paperwork. 

I am not a banker or expert on loans. I relied on my loan processors/customer service rep to guide me through this process. 

I have been trying to get a straight, smart intelligent answer to what I am trying to accomplish with my mortgage. My loan payments have been on time. 

Thank you kindly for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Money transfer, virtual currency, or money service (Virtual currency) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Other service problem

Complaint: I 'm trying to use the app   XXXX   XXXX   on my phone to get money from my pay check but the bank wo n't send over my information.

Company response to consumer: Closed with explanation