milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX school at XXXX XXXX College XXXX XXXX in XXXX from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX/Navient 's ( SMN ) deceptive practices over the course of last 8 years has left me in a crippling position with respect to my loans, private and Federal. The total original principal amount was {$200000.00} XXXX XXXX - {$96000.00} ; private - {$100000.00} ). For three years after law school, I was either underemployed or unemployed due to the market crash. Since 2011, I have made approximately {$63000.00} in payments toward my student loans. XXXX strong-armed me into recklessly prioritizing my private loans over my Federal loans. My current indebtedness is approximately {$420000.00} ( Federal - {$250000.00} ; private - {$160000.00} XXXX. 

For five years, I have been asking for a way to permanently reduce my interest rates. My XXXX private loans have rates that range from 8 % ( XXXX loan ) to 10 % ( XXXX loans ). Each year, XXXX enrolled me into a Rate Reduction Program that was initially sold to me as a way to permanently reduce my rates. Yet, every year I am told that I have to re-enroll for another year in order to qualify for a permanent reduction. In XXXX, I was re-enrolled and payments were set at approximately {$1000.00} ; this is in addition to the {$1000.00} payments to XXXX for my consolidated Federal loan debt at 7 % interest. In XXXX, I was told I had been rejected from the Rate Reduction program, that my monthly payments were {$1700.00} and I had to re-apply by submitting three months worth of bank statements ( and had to include 3 months of my sister 's bank statements because she had co-signed one of the loans ). I asked for something in writing explaining the application process and the Rate Reduction Program. I told the XXXX rep that bank statements seem awfully invasive. He threatened to write in his call notes that I was being uncooperative and had voluntarily rejected applying for the program. He also said that they were not allowed to share any written details of the program or the process by which they calculated enrollment/payments. 

I 'm completely at a loss at what I 'm supposed to do. My Federal loans skyrocketed because of the advice I took from XXXX five years ago. I have no hope for a future that is n't filled with crippling debt. I 'm XXXX years old. I have no family, social life, health issues due to stress, and no way out. I do n't want this to be the rest of my life. I do n't want to die alone. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have sent, resent, faxed and faxed again the same paperwork over and over again, only to hear that my property is in foreclosure. Im very very upset by this. XXXX dragged this process ffor over a year then sold to another bank to do the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Making/receiving payments, sending money

Complaint: TCF National Bank cashed a check for someone who stole it. The check was written to my cousin for her wedding two years ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a collection account as a result of an account that I had with XXXX. I made a settlement payment to satisfy this debt and in agreeing to settle the debt I was told by the agent that upon receipt of my payment the debt would be totally removed from my credit reports. Even after paying this debt with Hillcrest Davidson and Associates in XXXX Texas the debt was again sold to another collect agency, XXXX. I contacted XXXX XXXX and spoke with an agent named XXXX, who informed me that I could pay half of the {$1600.00} bill and the bebt would be removed from my credit reports. I informed XXXX this debt was paid off with Hillcrest and Davidson, to which XXXX responded that Hillcrest was a fraud and unless I paid them the debt would remain on my credit reports. I then again contacted Hillcrest, who stated XXXX XXXX is a fraud and they provided me with a letter to verify the said debt was indeed satisfied. When I inquired about this unethical mishap/behavior, I was told by XXXX the account was sold to them about six months ago from XXXX, which is unfair and unethical, as the debt had been settled with the first agency, almost a year ago. After the debt was n't removed from my credit I contacted Hillcrest and Davidson as to why this debt had not been removed from my credit report. I informed them this is what I was told by the agent who set-up payment of this debt. After giving the agents name I was told he was fired because of misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JH Portfolio Debt Equities, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried to communicate through Attorneys to  resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX companies, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX XXXX, XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX XXXX, XXXX. 
***Paid in Letters Provided***

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 10/26/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Trouble during payment process

Complaint: An escrow account was set up w/o our request, approval or need. I have been current with my mortgage, principal, property taxes and property insurance. I have never had an escrow account and I do not want one. I have contacted the lender a number of times and I get a variety of stories as to why it was set up and how to resolve it, i.e. close the escrow account, but to no avail. This has been open for over a month with no resolution. The Escrow Department passes it to the Bankruptcy Department and they do not get on a call with me together to discuss. I would like this resolved ASAP. Any help you can provide would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Brock & Scott, PLLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My home when into foreclosure because i lost my job and would no longer be able to make my payments. The servicers of my loan XXXX XXXX XXXX XXXX loans said I could give the house back to the bank and they would give me {$3000.00} if I left the house clean and complete. I agreed to this cash for keys settlement with Bank XXXX XXXX XXXX loans on XX/XX/XXXX. The bank told me that they would have there attorney write up the contract. I was told to empty the house because this deal would be done around 45 days. I was told to make sure I do not take any of the appliances ect out of the house or I will not receive XXXX. I cleaned and left the house, just like they asked me to. I left it clean and ready for them to take over. It took there attorney XXXX XXXX XXXX at Brock & Scott PLLC,XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX till XX/XX/XXXX to have me except the terms and to XX/XX/XXXX to write the contract. I wrote, called, emailed the banks and there attorney over and over to ask them to please hurry with this cash for keys, because I was worried about people breaking in and people stealing things. It is now XX/XX/XXXX. I have wrote more letters, emailed, and called the banks attorney asking to finish this. There has been several break ins and the bank charges me {$740.00} for vacant house fees and other quarterly fees. I believe there attorney is dragging this on as long as he can so he can adds up all his monthly legal fees and than try to get a judgment against me to collect these fees. There attorney could have filed all the papers ect to finish this deal in 1 day. Instead its over 8 months and counting. There oral agreement was that it would 45 days. Yet they will not complete the written contract to give back he house.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a settlement offer from Portfolio Recovery stating they will settle my account after I make a payment of {$130.00}, which will then reflect as a " Settled in Full, '' however, it is reporting a balance of {$320.00} and showing as an open collection on all 3 credit bureaus. I did contact them today X/XX/18 regarding this and the representative said it could take 10-21 days to reflect the payment but that the balance will still show and it will remain as an open collection on all 3 reports. This collection needs to reflect closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had XXXX credit card accounts with Chase banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, Chase bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for Chase bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Closing/Cancelling account

Complaint: This has been somewhat involved so hopefully I have got this all accurate and complete. I was offered a credit card from Bank of America ( BA ). I received this card about a year ago. I used it for a few months and there ended up being a problem that BA could not seem to fix. Not too long ago they sent me a letter stating that they have closed this account. They say " This action was taken because of the following reasons : '' That list says " This account has been inactive '' and " Derogatory public record or collection filed '' The reason it has been inactive is because they put some kind of stop on it and they could never get that straightened out. ( Separate issue and involves real incompetence of some kind ). I have called BA and tried more than once to find out exactly what is the specifics to the second reason : " Derogatory public record or collection filed ''. BA is the one who has closed this account and they would be the only one I know that would know why specifically they closed it. What is it about this " record '' that they have closed my account? I can get a copy of this record, but that wo n't tell me why BA closed it, I want their specific reason. I may want to do a dispute of this closing as I am concerned that now my record may show that I had not only a credit card account closed by the issuer, but for some kind of derogatory reason. 

I have called and since they could n't seem to answer my question I asked to be put in touch with the department and someone who could answer my questions. I believe that they told me they would contact me. I have never had any answer to this. I know this is more of some kind of policy that they can have, but there is no way to email or message them. I want to ask for a specific number and hours to call about this. Instead all I could do there is to use facebook! Can you imagine this is how they do some of their customer service? What a pathetic joke. I asked about my problem there. Quick reply but it was just another generic number, the kind that once again got me to no one who could help. I messaged again on childrens facebook and re explained what I need and was told they would be checking into it for me. Well up to 5 days now and no reply. So I just messaged again and told them they would be hearing from the CFPB as I am not going to keep burning up time trying to get a couple simple questions answered. 

These banks should be put out of business as far as I am concerned or at the least break them up into much smaller banks so we can get some kind of accountability to the customers. I know there are a lot of things that can be company policy and are allowed along with no one having to do business with them. But in this case I think I am due answers especially with the ramifications to 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 08/21/2015 about Debt collection (Credit card) with David A. Bauer, P.C. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: In early XXXX I received a letter from XXXX XXXX XXXX that stated if I did not voluntarily make arrangements to pay on a time-barred debt, I could be held accountable for additional costs. By threatening me with additional costs this attorney implied that he would sue me in court and hold me responsible for court costs and other costs associated with that action. I have attached his letter to me. 

I feel that this attorney was attempting to intimidate me. In this letter, this attorney also admits that a debt he sued me for was only placed in his office for collections, that he was not hired as an attorney on the debt, but that he used his position as an attorney as part of his collection tactic. I feel this is an abuse of his role as an attorney, unless he is retained by someone to collect debt, he should not be allowed to use his position as an attorney to sue for debts that are only placed in his office for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with Capital Accounts, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Capital Accounts on XXXX XXXX, 2016, alleging that I owe an outstanding debt. I requested on XXXX XXXX, 2016, that Capital Accounts provide me with verification and validation of the alleged debt and any documents proving I, XXXX XXXX, am the person in question. Capital accounts has failed to provide me with any documentations proving that I am the debtor. I was advised by a representative in Capital Accounts office that they could provide me with an itemized bill of the charges owed. I requested Capital Accounts send me a copy of any signed documents where I promise to pay or repay any outstanding balance. Capital Accounts has failed to provide me with any documents and applied this account to my credit history without proving I am the person in question. I sent a letter to Capital Accounts within the prescribed time and Capital Accounts failed to verify or validate this alleged debt. Capital Accounts is in violation of the FCRA and FDCAP according to the consumers rights to dispute. I am requesting an " immediate '' expulsion of this negative reporting debt from my credit history and a cease and desist of any further collection activity by Capital Accounts until proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Conventional fixed mortgage) with CORNERSTONE MORTGAGE COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: I am a XXXX, my wife and I applied for a mortgage loan, we got a prequalification letter from a cornerstone loan officer ( XXXX XXXX, Tx branch ). We went over the process, we provided all document asked from us in timely manner. After about 60 days from the time we got a prequalification letter, the loan officer asked for one last critical document the day before closing, again the day before closing and we provided the document within an hour, then the loan officer assured me that everything was looking great. The day of closing, after couple months, the loan officer calls and say that they ca n't give us a loan. Now, remind you that took her 60 days, in which communication was horrible, could never get hold of loan officer. I have emails, text messages to prove everything I said. Not only that, when I was trying to transfer the file to a different lender, it was such a hustle, after so many attempts in the phones, I had to drive to their office ( cornerstone ), loan officer did n't even want to come out, she sends the file with secretary, not even the whole file, most documents were missing!! 
Very stressful, waste of time, money and even health

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal XXXX and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s. I also requested a copy of CARE XXXX XXXX 's Tax Registration Certificate, all of which XXXX XXXX XXXX was unable to provide as stated in their response letter ( see attached letter ). By law under basal XXXX and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s XXXX XXXX XXXX failed to validate their claim. A copy of XXXX 's response to my debt verification was previously mailed to XXXX, XXXX, and experian, however, your agency continues to allow XXXX to remain on my credit report negatively affecting my credit. XXXX XXXX XXXX is illegally reporting negative on my credit.

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 05-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX XXXX navient student loan.. XXXX XXXX school XXXX XXXX NY and XXXX XXXX XXXX NY..Loan is in default because i 'm unable to pay the amount. Their asking me for more than i make in my paycheck and its impossible to give a down payment of {$10000.00} and pay {$500.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We have been trying to modify/refinanc my mothers mortgage. Wells Fargo keeps turning us down. We had previously filed a complaint Wells Fargo acted like they wanted to work with us then proceeded to act the same way

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 11/15/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I have had an extra20 account with Santander Bank for over a year, which provides its clients with {$20.00} each month that they satisfy two requirements : 1. Received a direct deposit of {$1500.00} 2. Make 2 bill pays Since XX/XX/2015, I have received the {$20.00} bonus for satisfying these requirements each and every month. During this time, I have not changed anything, and now since the billing period beginning in XXXX, they have refused to honor the promotion. Instead, I was charged a $ XXXX monthly fee, which I was able to get refunded after escalating to a supervisor. Once again, neither the origin nor the amount of the direct deposit has changed over the entire course of my relationship with Santander Bank. I have since spoken with a Santander representative and opened case numbers 4 times, each time being reassured that they would review my account and correct the mistake. 

I was provided no advance notice that my direct deposit would no longer qualify for their terms due to a change in their internal policy. At this point, I am due {$40.00} in payments and they have not been able to resolve the issue. To make matters worse, this resulted in my account incurring fees, requiring me to get them reversed.

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