milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In late XXXX I celled Navient in reference to getting information about their loan consolidation process ( and the public safety loan forgiveness program ). I was told to fill out the loan consolidation paper work and submit it. Once I got the confirmation letter stating that the consolidation was being considered, I called and spoke with a lady about the terms. Once she ( half heatedly ) explained the terms of the consolidation I declined it. She said she would note that I declined the loan consolidation and send me further information because I did not understand the terms. I stated on their recorded line several times during that conversation that I declined the consolidation and then we finished our conversation. I assumed that that was that. About four weeks later I get information in the mail stating that my first consolidation payment is due XX/XX/XXXX.  I called again and spoke to a gentleman who said he 'd speak to a supervisor about me declining the consolidation. They said that they would investigate the recorded phone lines and get back to me in seven working days. Now, I can not get any answers and the consolidation payment is due. I am concerned that if I make the first payment that that will seal the deal. Can they actually do this to me. The loan is for XXXX months and the interest rate is like XXXX  percent. I did not give them permission to do this. Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Paypal Credit Card and Paypal Smart Connect ; I did not apply for the XXXX and was paying the Credit Card. Then I started receiving calls from a collection agency, I spoke to the woman, told her i could show her where I had just paid Paypal online payment, if she would give me an email address that I could forward to.I think the company 's name was XXXX XXXX out of XXXX, TN Area. This company continues to call me 3-4 times a week. I still charge online purchases through paypal and make payments online through them. But the collection agency continues to call and tell me I owe app XXXX. I have asked them to stop calling me and finally stopped answering when I would see their number. The number they were calling was XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with Financial Business and Consumer Solutions. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: University XXXX XXXX is alleging that I owe them a balance of {$1100.00}. ( which is showing up an unsecured loan on my credit report ). I do not owe this debt. After requesting a copy of my credit reports, the opening date is showing as XX/XX/XXXX. I did not attend the university orientation until XX/XX/XXXX. Late XXXX, I received a letter from the collection company ( Financial Business and Consumer Solutions . The letter was dated for XX/XX/XXXX requesting a payment in full. The letter stated, Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion, thereof, this office will assume the debt is valid. I sent a debt validation letter ( which is attached ) to the collection company on XX/XX/XXXX. I received a letter from University XXXX XXXX on XX/XX/XXXX. The letter was dated XX/XX/XXXX. University XXXX XXXX did not validate the debt but sent a transaction history and no document that bears a signature where I promise to pay. According to the National Student Loan Data System, the class was paid for in full of by student loan. University XXXX XXXX states that my withdrawal date was XX/XX/XXXX. University XXXX XXXX wrote off the debt on XX/XX/XXXX. Financial Business and Consumer Solution began contacting me on my phone starting in XXXX since then I have been getting random calls from different numbers. The calls are harassing and very annoying. I understand that a collection company can not contact after being told not to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am disputing information recently sent to me by Experian on report frompreviously disputing inaccuracies on my credit report. This information detail personal information such as name, co-spouse, and telephone numbers. The accuracy of this information is important to the respect of XXXX parties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: This is the 2nd time in 3 years I ran my credit report online.. The first report always is a success, then the next 2 fail. They have improper information that might make it fail. I have tried calling etc. Many hours into this, and they do not seem interested in fixing the incorrect info. You, would think they are XXXX or the Government. My info has been hacked also does the Gov. fine them NOOOOOO. I was able to run XXXX but then it failed because thier were address 's that I did not live at ever and maybe laons not mine. How do you pass their questions when they atre incorrect. wouod be nice if they wouod talk to me too fix errors!!!!!!! Also fix their unfriendly annual credit report. I'm 100 % sure they will say its for my security. The question like when did you take out a home loan that has been payed of for 3yrs. Even the bank couod not tell me what year I took out the home loan that has been paid for 3 yrs. Appears to me they want you too fail.

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 09/13/2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, I submitted a Request for Mortgage Assistance ( RMA ) application to Specialized Loan Servicing ( SLS ). Throughout the application process, SLS has falsely alleged that I did not submit " missing documentation '' and has repeatedly requested duplicate information. In example, I submitted requested pay stubs for a non-borrower on XXXX XXXX, XXXX via email ; however, SLS again requested the non-borrower 's pay stubs on a letter dated XXXX XXXX, XXXX. Moreover, SLS requested income information for me, although the RMA submitted and various documentation illustrated that I was unemployed and not receiving any form of income. SLS has failed to process my application in a timely manner. SLS has also required to submit unnecessary duplicate information. In fact, SLS initially closed my application as a direct result of their own errors. 

Furthermore, SLS systems reflect that I have been approved for a workout program, but I receive correspondence that I am missing documentation that was previously submitted.

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 12/22/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: HELLO FROM XXXX XXXX XXXX. 

A WHILE AGO THEIR WAS REFERENCE NUMBER REGARDING EQUIFAX , XXXX. THEIR A WHILE AGO WAS XXXX XXXX CREDIT CARDS IN XXXX, VA. THAT REQUESTED EQUIFAX TO BE MAILED TO THEIR OFFICE, AND YOU KINDLY HAD THAT SENT TO THE FEDERAL TRADE COMMISSION, AND THEY CLOSED XXXX ACCOUNTS DOWN. FORMER E-MAIL IS XXXXXXXXXXXX, XXXX DISTURBED THE E-MAIL, WHEN YOU GET AN OPPORTUNITY, COULD YOU PLEASE, SEND ME THE INFORMATION TO XXXXXXXXXXXX. XXXX FYI, I REQUESTED A XXXX CREDIT CARD, AND THEY CHECKED THE MAJOR EQUIFAX IN XXXX GA, AND THE CREDIT NUMBER WAS XXXX POINTS WHICH IS INCORRECT. 

XXXX XXXX! 

XXXX XXXX XXXX XXXX, SS # *********** HAVE A GREAT HOLIDAY, AND BE BLESSED

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Closing/Cancelling account

Complaint: I logged into my account on line today to discover the account had been closed. Absolutely no notice of pending closure was provided by ExxonMobil. Expiration date on the card is XX/XX/2019.

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 02-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We wanted a loan mod from Bank Of America. After receiving the loan modification offer we have decided not to accept the loan modification. 
This whole process has been, in my opinion, a big scam and a disgrace to Bank of America. 
I was led to believe that a real solution, specifically a ten year interest rate reduction to 2 % and a rate of 3 % for the remainder of the loan was what I was working for. After 8 months of continuous uploading of documents, constant phone calls, etc, I was offered a 30 year loan at 5 %, thereby costing me an additional $ XXXX over the life of the loan. I do not see how this is supposed to help me. 
In addition, without my authorization, an escrow account was opened for taxes and insurance. I already pay these items myself and at the time of the mortgage initiation we paid Bank Of America a fee to do so. 
An unauthorized tax payment of {$2600.00} was made in XXXX of last year. Because of this erroneous payment my mortgage payment has increased by {$830.00} per month, from {$1600.00} to {$240000.00}. 
This is beyond " a mistake ''. This is fraud and I intend to treat it as such. 
I have multiple personal and business accounts with Bank of America, including more than one mortgage. After this I intend to take all of this business elsewhere as some as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My home was foreclosed upon  XX/XX/  2012. Since that time, I have tried unsuccessfully to get the account to refl ect properly at a  XXXX  balance to no avail. Arizona is a non-deficiency/non-recourse state. Chase Mortgage continues to show a balance of  XXXX  and a past due amount of  XXXX . I have requested repeatedly for the balance to be removed and Chase has refused saying the balance owing at the time of default will continue to sh ow for seven years.  It has been pointed out to them on multiple occasions that Arizona is a non-recourse state. They say since they have quit trying to collect the balance, they are within their right to continue to report the amount owed at the time of the foreclosure. My mortgage company,   XXXX   XXXX  , has also tried to assist me in getting it removed so I can proceed with a new loan to no avail. Currently, this is preventing me from getting a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (I do not know) with First Federal Credit Control (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called this agency in order to know what is this account and they totally denied to gave information and ask me to pay the debt no matter what. They do not want to gave any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Im a military Veteran on XXXX XXXX. My wife who is back home has been dealing with a mortgage company called SLS. They took it on themeselves to Remod our mortgage and said our payments ar now XXXX from XXXX. We have spoken to them and all we get is a run around. They have placed a deliquincy on our credit and stopped us from doing a Refi as the other banks see this fraud deliquincy on our credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (AR).
Issue: Deposits and withdrawals

Complaint: I sent Regions Mortgage a notice for Full Disclosure concerning our loan agreement, after discovering that there was material concealed and omitted from the agreement that I and my wife never agreed to, nor gave permission for Regions Mortgage to conduct. I requested for Full Disclosure for all Bookkeeping Journal Entries associated with our loan, which I have a right to by law, and Regions Mortgage replied to me by saying ; they decline to respond to my request, saying that it is irrelevant to our mortgage loan account. In all actuality, nothing could be more relevant to our mortgage loan account, because Regions Mortgage knows that Full Disclosure of the Bank Bookkeeping Entries, prove that they are in Breach of Agreement, and once again, I have a right to this information, by Law of Evidence! I requested for Regions Mortgage to give me Full Disclosure of the Deposit Slip for the Deposit of our Promissory Note associated with our loan, and they replied by saying ; my request is both unduly burdensome and irrelevant, and therefore Regions Mortgage declined to show me our Deposit Slip of our Promissory Note, which we have a right to by law! Regions Mortgage is in violation of the GAAP, which states that the bank owes the depositor ( US ) money for depositing our note, that Regions Mortgage never told us about, nor did we give them permission to conduct such a transaction in our name! Also, per the banking law, if the bank deposits the note, they must give you a deposit receipt, as mentioned in 12 U S C A Sec 1813. We know that Regions is in Breach of Agreement and has broken the law, and all we are asking for, is the Full Title to our home, showing paid for in full and fully discharged, and we will not demand for Full Disclosure to the Bank Bookkeeping Entries and for the Deposit Slip of our Promissory Note. Regions did not deny the deposit of our Promissory Note, because the Federal Reserve Publication already reveals that the banks do not give loans ; but they are to take the borrows Promissory Note in exchange for credits to the borrowers transaction accounts, which is an exchange, not a loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After viewing my credit profile i realized  Tower Loan System  placed a inquiry on   XXXX   XXXX   that I had no knowlege of. I contacted them on several occasions asking for copies of the signed documents and identification used on my behalf . Tower Loan  never responded which clearly violated " FCRA ' ' 609 ( e ) ( 15 U.S.C. sec1681g ( e ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Settlement process and costs

Complaint: Mortgage Modification completed XX/XX/XXXX, signed docs and submitted to bank. This was a fixed rate for first 5 years then rate increases almost a point per year for the next 3 years ( Stepped rate ). Less than 30 days later bank sent a new contract with same rate but fixed for 30 years and told me I had to the choice to keep the current or go with the new contract that was provided in XXXX XXXX. Second set of docs were signed as it was a better deal offering fixed rate for 30 years ( no brainer ). The same 30 year fixed rate contract was submitted to XXXX XXXX NJ as official record. XX/XX/XXXX I received a letter explaining my 5 year fixed rate lock would expire XX/XX/XXXX and rate would increase by a full point. I explained my situation that the signed contract I have from XXXX XXXX is the one that Chase bank said was the one in force. 4 weeks later ( XX/XX/XXXX ) Bank said they were not going to honor the XX/XX/XXXX contract ( Fixed ) and only use the XX/XX/XXXX ( Stepped ). They also told me this is what they decided and that there was nothing I could do about it and would not allow me to talk to any supervisors as it is a done deal. 
Please also note they raised my rate XXXX XXXX XXXX instead of what on the stepped contract of a XXXX XXXX XXXX execution date. 
Chase has come up with so many poor excuses for not honoring the contract I have, also I always get a different story on why they are going with the XXXX contract but no reason why they ca n't honor the XXXX. 
Please help me get JP Morgan Chase honor the contact that we agreed to 5 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IN).
Issue: Problems when you are unable to pay

Complaint: I got a loan through GM ( Americredit ) I purchased the vehicle in XXXX for XXXX. After taxes and all the loan totaled XXXX. The payments are XXXX a month. Well in XXXX XXXX I was in a car accident and unable to work, Gm calls my house daily XXXX or XXXX times a day and I have explained my situation that I am injured and do n't want to talk about the same thing daily. When I purchased the loan I told them I only wanted a payment below XXXX. I was told that it would refinance in a year. They keep saying that they are going to work with me, but they have n't and I refuse to pay all that interest on a truck. loan started out at XXXX now I still owe XXXX after XXXX worth of payments. In XXXX XXXX, GM started calling my husband he was XXXX over the road, he kept telling them he could n't talk he would get back with them after he parked, they call him back to back everyday. It is illegal to call a person on their job so many times especially when you speaking with the person that tells you they will call you back. They put a repossession man on the truck and he logged into my facebook account and pretended to be my godson that is stationed oversees to get my address when they already have my address. Then he called my home and told me he was there to pick up the truck which he must not have been cause at the time I was out of town with my husband. He should have never called me that is total harassment .Then they called my sister, father in Kentucky and told them that I was behind on my truck payments which is scandal cause you talked to my husband several times, and also me I explained if I am home I will get the phone or call back so you did n't need to call anybody, then you called my friends XXXX XXXX and XXXX XXXX XXXX and told them the same thing.This is very illegal.When I asked them about refinaceing the vehicle they told me they do n't refinance, if you are a legal bank how do you not refinance when you told me that you would refinance the truck in a year, the only reason I signed the documents was cause I was gon na get a lower payment the following year which never happened! I want the interest taken off and the balance forward, cause the interest is not doing anything for me and I refuse to pay all that uneccessary interest when the truck is not worth it and nobody will refinance me cause the loan is upside down. I actually have a loan that is considered predatory lending which is illegal and I want something done about it. I am tired of the run a round from GM ( AMERICREDIT ). I also want pain and suffering from the harassing phone calls from GM and the Repo man and I want my husband compensated for the harassment on his job, rule clearly states not to call at a place of employment, GM kepy calling even after they were told not to call him at work. I also want compensated for telling my business to my family and friends. Thanks for your time and attention in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Service of Central Washington, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A judgement was granted ( XXXX ) but the amount the collection agency is attempting to collect is incorrect. A check totaling the amount of {$130.00} was cashed and the balance should a lower balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I was contacted repeatedly from a rude guy who works fo r Hunter Warfield. I asked that he do not contact me, stop calling but calls continued. I do not have a signed contract with Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief