milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: At the end of  XXXX   2017 , I applied to have my cosigners released. I submitted a complete package on  XXXX   XXXX ,  2017 . I spoke to the customer service department on  XXXX   XXXX ,  2017  ( a  XXXX  with the id code of  XXXX  ). I was told by  XXXX  that the notes on my file indicated that on  XXXX   XXXX ,  2017  my complete cosigner release package was under review. I was told I would have an answer  in 10 business days. I have not received an answer. I tried calling Navient today, and I was placed on hold for 15 minutes without anyone providing an answer on the status of my cosigner release application.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 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: Navient recently took over servicing my loans from XXXX. XXXX has always handled my loans as XXXX separate loans with different payment schedules. The prior servicing company, XXXX Bank, did the same. XXXX of the loans is subsidized and XXXX of the loans is not subsidized. I have always paid the XXXX loans at different paydown rates, paying down the principal on XXXX loan much faster than the other loan so that someday I would have a reduced payment by only having XXXX of the XXXX loans to pay. Navient 's new payment scheme will combine the loans into XXXX and make it impossible for me to accelerate the payments on XXXX of the loans by itself. Since I am XXXX years old and owe {$100000.00} total, I had always planned to pay off the loan that is now smaller ( due to my accelerated principal payments ) before I retired and started collecting social security. At that time I will not have enough money to pay both loans at the current payment if both loans still exist. This is dishonest, unethical, and I think it is a violation of the original terms of the loan, but Navient so far has refused to send me a copy of the original promissory notes ( I signed XXXX each year I was in school ) and instead insists there is only XXXX promissory note. That is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit Karma has put a wrong information on XXXX credit report time after time and there are not pay attention to my despite

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX account is incorrectly reporting in my name. It is attached to an apartment complex address where I have not lived. Disputing from my current home address, and XXXX XXXX sent documentation showing a different name on the account. I have sent several disputes to Experian to have this removed. All I have received are automated responses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC ().
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX our mortgage lien was discharged in bankruptcy. Our original lien holder was XXXX XXXX XXXX XXXX XX/XX/XXXX. It was transferred to XXXX XXXX XXXX just before filing and discharge in XX/XX/XXXX XXXX. 
Despite the lien being discharged, possession remained in our names. We initially wanted to try and keep the property. As such, we tried to refinance through XXXX XXXX XXXX by submitting ALL required paperwork over 8 times during the next 2 years. 
In XX/XX/XXXX we experienced a house fire, and our insurance company declared the home a complete loss and paid {$130000.00} to rebuild. We signed the check over to XXXX XXXX XXXX, who then instructed us on processing the claim and beginning the rebuild. 
We complied with everything they requested and despite many attempts and well documented communication with them, they would never issue any funds to begin the process. Due to the time it has taken to resolve the matter, we now want the property out of our names so that we can move on with our lives and buy a new house. 
In XX/XX/XXXX XXXX XXXX XXXX sold the mortgage to Carrington Mortgage Services. The insurance funds were wired to Carrington as well. I contacted Carrington and was instructed to submit a request to their Research Dept. so they could look into the matter. The only option to do this was by regular mail, according to Carrington. 
To help us through this process, we obtained legal counsel and authorized the law firm to represent us in resolving the issue. An authorization was sent to them by the Attorney as well as a request to either allow us to transfer the property to them by way of a Deed-in-Lieu of foreclosure, or to have the lien deemed satisfied and released by applying the insurance funds to the account. The initial contact with Carrington was made XX/XX/XXXX. On XX/XX/XXXX -XX/XX/XXXX, all documentation they requested was submitted to them by the attorney. Each time he contacts them, they initially deny he has authorization to represent me. After 3 attempts each time, they then have told him to call back next week to check the status of the deed-in-lieu application. They have had possession of the account since XX/XX/XXXX, as well as the insurance funds. Neither Carrington nor XXXX XXXX XXXX has handled our account appropriately, and Carrington is continuing to further delay resolution by not cooperating. We were not able to purchase a home this year due to the title of this property still being in our names. It has been 6 years since our bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: Over the past several years I 've been the victim of aggravated identity fraud. I have filed a report with the FTC, and have sent letters to Wells Fargo with information from the DOJ that state this as well. On top of Wells Fargo creating phony accounts in my name without my permission, they 've also allowed fraud on my account to continue even though I 've given them notice routinely. I 've been promised I 'd receive credits back from supervisors and then after weeks go by, my claim was denied. My information was compromised in 2013 with the XXXX data breach and I 've had issues ever since. I always notified Wells Fargo in writing or via email or phone call within 2 days of any of these charges and they still wo n't honor their 0 % fraud liability protocol. I 'm working with the DOJ on potential options but want to expose Wells Fargo for this criminal activity.

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 12/27/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: APR or interest rate

Complaint: Citibank is charging " residual interest '' on a statement from XXXX days go when the entire balance was paid in full. I paid {$750.00} in XX/XX/XXXX to bring the account to a XXXX balance when the account statement was for {$720.00}. In XX/XX/XXXX they billed me {$24.00} in interest when I paid the previous statement in full. When contacted they said it was " residual interest '' from the XX/XX/XXXX statement when I paid {$500.00} and the bill was {$550.00}. I paid {$4.00} of interest on the remaining {$57.00} in XX/XX/XXXX. I attached XX/XX/XXXX 's bill to show that every month my bill was paid in full and the account was always brought to a XXXX balance. It is illegal to charge " residual interest '' after you show a new balance & continue to accrue interest on an account. The final balance is always to reflect all money owed on an account except for outstanding charges not finalized by a retailer since the bill was cut.

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 12-12-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In early XXXX, I told whoever was calling me from Portfolio recovery to stop calling me and to cease and desist all phone calls. I have since received 3 phone calls per week since asking them to do this. They then told me on a call I picked up that they ca n't cease and desist all calls and I pointed out they were in violation of the FDCPA due to the harassment statute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Core Advisory Group, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: When I learned that my house was in foreclosure I was contacted through the mail by Core Advisory Group. I called them and they informed me that after doing an evaluation that they can help me save my home. They said the total cost for their services would be {$4400.00}. I gave them {$2000.00} on. XX/XX/XXXX15, {$400.00} on XX/XX/XXXX15, and {$100.00} on XX/XX/XXXX15 totalling {$2500.00}. The end results was my house was foreclosed on and Core Advisory Group never fulfilled their end of my contract agreement. And afterwards did n't return any of my phone calls! Therefore, I am requesting and believe I am entitled to a full refund. Due to their breach of contract regarding my case.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with Capio Partners, LLC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I mailed a letter of VALIDATION to XXXX XXXX for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: I am livid how Wells Fargo has handle my loan. I have tried to re-apply for a modification numerals times and Wells Fargo refuses to review my loan for a modification. I have tried to work directly with them but they have hang up my call many times when I start questioning them in regards to my loan. I do not want to lose my house I have an active sale date for XXXX/XXXX/16. Wells Fargo refused to withdraw the mortgage payment out of the automatic system, my cousin XXXX had activated before he pass. It has been really stressful to keep up with the mortgage payment because I was paying half of the mortgage when my cousin was alive.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Personal Identity have been compromised. Security of my personal SSN, Mailing address, Date of Birth, Full Name was Breached. Was not notified of Security breach. Had to discover security breach on later date. Company only able to offer automated voice message as a response.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: experian placed a fraud alert without my authorization

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 07/21/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Managing the loan or lease

Complaint: I *love* my new car - a 2015 Chevy Spark XXXX a fantastic value and wonderful service at the dealership. However, I *don't* love my GM Financial billing statement which does not readily and easily display pertinent auto loan. Nothing is " at a glance. '' The statement does not include 1 ) the interest rate ( it shows the monthly charge and what I PAY for interest - but not the APR ) ( 2 ) No structured " payoff '' amounts ( like credit card statements do : XXXX. " If you pay {$300.00} a month, this will be paid off in x months ; If you pay {$350.00}, it will be paid off in x months. '' I think these statements are deliberately misleading to the consumers and need to be revamped to resemble the newer credit card statements where everything is " out there '' for the consumer. Thank you.

Company response to consumer: Closed
Consumer complaint received 04-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a form requesting acknowledgement within 5 days and response and proof of who is the legal trustee of my mortgage to Nationstar Mortgage, they finally submitted a letter with a forged and falsified balloon note on XXXX XXXX, when the request was sent on XXXX XXXX. They claim only XXXX holds the note, when I sent an email to the company it came back non deliverable. XXXX XXXX claims they hold the note but can not figure out how to reach them as when I call the company my s.s. does not come up. I have also tried to get a loan modification and they have said I did not send in the paperwork when I did and XXXX went to the bankruptcy court to dismiss my case when they have no proof of holding and certificate or note to foreclose without offering me any assistance to catch up. We had to make them an offer but I never signed any paperwork nor did the bankruptcy judge.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a XXXX 's account on my credit file that is inaccurate. It states the credit card was established I my name in XXXX XXXX I just turned XXXX this in not my account. I have requested validation of this credit card and have not received any paperwork with my signature to verify this is my debt, I have reached out the credit agencies on numerous times to have this information removed. I am being told the debt is valid however with no proof. I would like to have this credit card removed from my file XXXX account number XXXX from all three credit companies

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 06/22/2016 about Debt collection (I do not know) with Media Collections, Inc (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Just keeps calling. Its for someone i know nothing about.

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 07/26/2016 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I called the " student loan help center '' at XXXX. It took multiple attempts as their line kept hanging up on me. After reaching a human and 37 minutes of me giving them my personal info, they said I had to pay a one time fee of {$990.00}. As I 'm eligible for total forgiveness. My loans exceed more than half of my income as I 'm on social security from a head on accident. I told the guy that there has to be a way to file " these forms '' without paying {$990.00}. Call was recorded and they made me acknowledge permission to record

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: Why would there be a need for a mortgage servicer to obtain another Abstract Title? As I understand it, the original Title should prevail throughout the life of the loan. According to my settlement sheet, I paid well over {$3500.00} for Title from XXXX XXXX, located in XXXX, NY in XXXX. Now, I 've found, according the County Clerk 's records, that yet another Title has surfaced from XXXX XXXX, located in XXXX, PA, obtained by LoanCare Servicing, who in turn supposedly sold the loan to XXXX, even though LoanCare was not the owner of the Note. How could they sell something they do n't own and paid absolutely nothing for? Did I mention the original Lender was the infamous " XXXX '' I thought when XXXX went defunct, all loans were to be delivered to XXXX. Mine was n't delivered until XXXX, three years later. During that time, there was NO ASSIGNMENT until XXXX to none other than who else, the servicer, LoanCare. Also, this was an FHA loan. If in default, should n't FHA have obtained it and sold it themselves? Where are they? Why was there a need to change Title Trustee from XXXX XXXX to XXXX XXXX? Does n't this place a cloud on the tile? I may be a novice concerning Real Estate but something just ai n't right. The way LoanCare and XXXX conduct their business, I 'm sure we 're headed for a repeat meltdown of the housing industry, as was the case in XXXX. I 'm hoping the Courts have gained more knowledge of these dirty dealings and will not let them seize consumers homes fraudulently.

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 06/24/2016 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Billing disputes

Complaint: I purchased furniture from Rooms to Go and used the financing from Synchrony Bank because they really pushed it. I paid off all of my debt the same week it was available for me to pay. A few months later I received a bill saying I owed more money. I tried to contact Rooms to Go several times and recieved no response. I then contacted Synchrony Bank and they advised me to dispute the charge and to not pay anything until they figured out what exactly it was, and when they did they would let me know. He told me to ignore all bills and just not pay anything. I never received any information on what the charge was for. I checked my credit score a few days ago and it dropped dramatically because they claimed I had a late payment when all I was doing was following the " professionals '' advice. They told me they would take care of it and let me know, but honestly after this whole experience I do not have much trust in them so I figured it would be best to contact you by myself.

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 03-02-2016 about Debt collection (Medical) with BYL Collection Services (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a collection listed which is unknown, disputed with no outcome or verification. Please 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 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Due to your insisting that a verification was made, I further researched this matter with my attorney. It comes to be that you lied on the last response. All you did was turn to a data furnishing company such as  XXXX   XXXX  or  XXXX , reading information off of a website and held that information to be verified and true. Since you said that you have verified the information, it should be easy to produce a few facts so I can personally go down to the courthouse and verify YOUR process wit h the county clerk. Please provide me with the following information : 1. The date and time you made the call 2. The name of the person you    spoke to 3. Verifi cation documentation referencing the call and the outcome.   Should you not provide me with this information within 15 days, my attorney and I are ready, willing and able to file a lawsuit against your company. I am going to publish the response you gave, that you have verified the information, to a public website whereby anyone reading it will file a suit against your company as well. I am also filing a complaint with the attorney general to prove my case.   What interests me the most is the fact that on the attached credit report, in the space where it says " court '' you left it blank. Which means you are providing false information. Remove this bankruptcy immediately to avoid embarrassment and monetary loss.

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 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent in all documentation related to my identity theft case to Transunion. They are still reporting an account from creditor XXXX - XXXX that is listed in my police report and should have been blocked and deleted immediately. I have submitted my ID, police reports and affidavit along with my social security card and proof of residence.

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