milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2016 about Bank account or service (Checking account) with ASTORIA BANK (NJ).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, XXXX, someone presented a check for cash which was debited from my bank account. It was a small amount of XXXX dollars. I contacted my bank and they quickly put the money back into my account. The bank and I agreed that the account numbers were just XXXX digit different and the customer 's signature overlapped that digit to make it to look like an XXXX instead of a XXXX. 
On XXXX XXXX, XXXX the same thing happened again. The same customer presented a XXXX dollar check for cash.with the signature overlapping that same digit to make it look like an eight.This time I was given an overdraft fee of {$35.00} plus the {$20.00} check amount debited from my account. 
The bank again said this was an error and quickly took the overdraft fee off and promised to put the {$20.00} back into my account within 24 hours. 
The first time this happened, I would say it was a mistake of the teller. It would almost be impossible for this to happen again with the signature covering that same digit to appear as another digit. 
I believe someone is taking small amounts of money from customers at my bank. 
Please look into this. This bank is Astoria Bank, XXXX XXXX XXXX, XXXX, New York XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (MN).
Issue: Account opening, closing, or management

Complaint: I was recently married and added onto my husbands account at Navy Federal Credit Union. We do n't live anywhere near a branch but it was important to my husband that we use this account as our primary account as this Credit Union is for military families. I attempted to make a deposit of a check thru the mobile deposit feature on the mobile app but received the following message " You need to be a member for at least 30 days in order to use Mobile Deposit. We are currently experience issues with Mobile Deposit enrollment. For assistance, please call Navy Federal at XXXX. '' I called and the representative informed me that I needed to open my own membership account in order to have access to this service. I informed him that I did n't need to make deposits into another account, just this one. I requested a supervisor and spoke to XXXX a Contact Center Supervisor. I again was unsuccessful at gaining access to make deposits into my account. I explained I already check for local ATMs to deposit in, they do n't participate in shared branching, etc. They informed me that I either needed to have my husband make the mobile deposit or I needed to mail the check in. I have no credit issues, long time on my job, etc. The only issue is that Navy Federal is forcing joint owners to open membership savings with them if they have no other options to conveniently make deposits. I have my husband at home and can have him make the deposit for me. This institution is for military families and not all joint owners are going to have that same access to their spouse as I currently do. To make struggling military spouses open a separate account to be able to make deposits into a different account when there is n't a nearby branch is n't right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is calling every member of my family 's telephone numbers and leaving messages. I have never dealt with this company and want them to stop calling my family members '

Company response to consumer: Untimely response
Consumer complaint received 04-06-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have XXXX student loans. The first XXXX are in ok shape because they are federal loans with XXXX. I currently do an income based repayment with the federal loans and my payment is {$0.00} a month. However I have a private loan through Sallie Mae that is about to go into default because I ca n't afford to pay the minimum payment. Sallie Mae continues to hound me for money because my account is past due but still refuse to work with me on repayment. I am seriously considering filing bankruptcy because I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was taken to small claims court for a parking lot accident that the law enforcement rules " no fault ''. The other party involved sued me for damages to his vehicle because he only had liability. My insurance counter sued him and the courts ruled in my favor. I even got my deductible back. I do n't understand why I have a negative mark on my credit report when the courts ruled in my favor and I won court lawsuit. This unnecessary negative mark is hurting my credit and I would like it resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (AL).
Issue: Problems when you are unable to pay

Complaint: Company mislead on the interest on a loan and payment terms. I called to get clarification and spoke to a manager who told me that there was n't anything she could do to rectify my problems. I tried mercilessly to get the problem resolved to no avail. I felt cheated and mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My bank is USAA : - XXXX unauthorized debits were made to my checking account on XXXX/XXXX/15. Amounts were for {$100.00}, {$6.00}, and {$6000.00}. 
- USAA did not detect these and call me. I detected the discrepancy and called as soon as I was made aware of the unathorized transactions. 
- USAA credited my account back in full for the amounts on XXXX/XXXX/15. USAA never called me to tell me that the account was being credited. 
- Several forms and affidavit were mailed to my home address asking me to explain the situations. Thinking the situation was resolved, I disregarded the requests. Again, USAA never contacted me with instructions. 
- On XXXX/XXXX/15, USAA debited my account for {$6000.00} since I had not returned the forms. The Bank never called me to let me know that they would debit my account for {$6000.00} if I did not return the forms. 
- In XXXX '15, I mailed all proper documentation to USAA including notorized affidavit. The Bank has received forms and has had them on file for over 30 days. 
- As of today, I still do not have the {$6000.00} credited back to my account. When I call USAA, they say that they are awaiting for the XXXX party bank to release funds back to USAA so that my account can be credited. USAA has provided terrible communication on this matter. They rarely call me to provide a status update. The Bank has yet to confirm whether the initial issue was fraud or bank error. I have no estimated time of completion on this account issue. As a consumer, I do not know what my rights are in this case. Funds of {$6000.00} were clearly debited from my checking account in error back in XXXX '15, and I am not sure why I am the party still at a loss when I did nothing wrong. 
- Can you 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 05-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I worked in the mortgage industry for over 20 years. In XXXX I purchased our home doing a XXXX with XXXX of XXXX, at XXXX Interest only, and a XXXX and XXXX for XXXX XXXX. Like everyone else I thought everything was going to be great. In XXXX the industry as you know took a great hit. Our value in 3 years dropped from XXXX to XXXX. I was underwater. I worked for over 2 years trying to get my Modification with XXXX. Always the same excuses and threats. They would lose paperwork and force me to start all over again. This was very distressing for me and my family. I spent countless nights XXXX. I then filed BK in XXXX XXXX. 
One morning I decided to give up. I contacted the bank and offer to do a deed in lieu with them. Two weeks into the process, the bank asked me to once again apply for the Mod. I did so without adding or taking away any information from my Modification application. A few weeks later I was approved. Very grateful, we agreed to the mod. My XXXX and XXXX forgave the debt I owed them and re-conveyed their deed. The BK protected me from any of their write offs. My balance with the bank was XXXX before the mod, but now is over XXXX. There was principal forbearance that added as a balloon payment in the amount of right around XXXX. My interest bearing XXXX was reduced to XXXX, but at the end of the day there was no real principal reduction. Sure the XXXX and XXXX was removed, but I still have a ton to pay. Once the modification trial was complete, they transferred the loan to Nationstar. I am grateful to XXXX for giving us the help we needed to stay in our home, I would only ask that they forgive the amount that was on the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have canceled an auto insurance policy and continue to get collection notices for {$140.00} for non-payment for a canceled policy. 

They have three brokers/agency/insurance that do not talk to each other and blaming others for not giving proper information, using wrong forms ( not my form ). 

They have sent my account to collection and is impacting my credit rating, employment. 

Date of cancelation requested XXXX ( due to holidays and being out of Country time diff. ) to cancel, contacted XXXX as was advised by XXXX to do that. 

XX/XX/XXXX - Received and signed the cancelation letter dated XX/XX/XXXX. 

Letter says cancellation date ofXX/XX/XXXX, XXXX XXXX. 

Obtained insurance with new insurance and began payments on XXXX. 

Did not use vehicle as was out of country XXXX to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I have previous had an auto loan XXXX and a refinance with XXXX XXXX a few years later. I currently have several credit cards and finance accounts with XXXX XXXX all opened within the past few years. In XXXX XXXX, XXXX XXXX sent me an offer for select customers to apply for a credit card. I submitted the application, only to be denied due to " accounts with XXXX were not paid as agreed ''. All of my accounts with XXXX have been paid as agreed. I contacted them by phone and was told that my account with my mortgage company is reporting as such. I do not have a mortgage account with XXXX. They stated that Ocwen/Litton is ( a sister company ) and has provided information that my account is not paid as agreed. I pulled a copy of my credit report and found that Owen/Litton did not report my account as if it were not paid as agreed. I previous sent a complaint about the misleading ways that my mortgage was being reported by ocwen/litton. Now they are possibly providing misleading " inside '' reports concerning my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has executed a robo signed real estate document related to this account. However, there is no County Recorders Office record of the document. When I brought this fact to the attention of the single point of contact and requested a certified recorded County Recorders Office copy my request was ignored. Bank of America only response was to state that there is no requirement all real estate loan documents be recorded unless the bank intends to collect on any default through foreclosure. 
Fast forward to today, this document is now more than five years old and unrecorded. 
Bank of America has now caused to be recorded a Notice of Default and Election to Sell with California Declaration and a Substitution of Trustee on a now defunct Deed of Trust where no consideration has been made, accepted, or applied to the associated home loan mortgage account since XX/XX/2009.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (Credit card) with Machol & Johannes, LLC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Recently, I read that you are investigating complaints against XXXX Bank. In XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then in XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX bank. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX Bank and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (I do not know) with Law Office of Linda Strumpf (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I never received any communication from the original creditor or the law office that is now handling this so called debt that they bought in XXXX, and now as of XXXX they have froze my back account. I was never notified to appear in court, never received a phone call or letter stating what this debt is for, and when I try to contact the office nobody is available to speak with me. The lawyer who froze my account is XXXX XXXX. The only reason I know of this debt is because my bank was notified and gave me a copy of the letter that was addressed to them, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )

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 04-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received an alert for a new account on my XXXX credit file. Enhanced Recovery CO, LLC reported a debt in the amount of {$900.00} owed to ERCXXXX. I have n't had service from XXXX for at least 10 years, let alone any communication regarding a delinquent balance. I attempted to call Enhanced Recovery, no answer. I disputed the entry on my credit report, it was promptly updated from delinquent as of XXXX, updated to delinquent as of XXXX. I was never sent a notice of the alleged debt and, subsequently, deprived of my right ( s ) under the Fair Debt Collection Practices Act ; to dispute the debt and receive validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: U.S. Collections west contacted me at the place where I rent out a space for employment. Once then identified themselve I asked them to not contact me at that number, I provided a contact number with my home address where I can be reached. This was on or about the XXXX of XXXX. I then receive a letter on the XXXX of XXXX for this debt to my place of employment. Now where I rent the space of for my employment is in jeopardy because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NE XXXX have a private student loan ( through XXXX XXXX, now Navient ) that went into default and cosigned on a private loan that also went default. XX/XX/XXXX, I set up terms with XXXX XXXX XXXX ( XXXX ) to get off the co signed loan and make payments to mine. The agreement was to pay $ XXXX/mo for 3 years without missing a payment. I then would be taken off as a co-signer to that loan, and to discuss a buy out option on mine at the end of the term. I agreed. It was a verbal agreement via phone. Nothing was signed. I payed them {$500.00} at the time of the agreement XX/XX/XXXX, and the 1st automatic payment was at the end of that month. Then they automatically withdrew payments of {$150.00} ( from XX/XX/XXXX ) on, or around the last day of the month for the next 3 years. 
I called them XX/XX/XXXX to verify how much longer I needed to pay. They had no record of the agreement that was made. They told me I still had to keep paying, do a buy out option, or make payments upwards of $ 300/mo. But they did not say for how many years. They said only a small percentage was actually going to the loan itself, and since the payment was going towards XXXX defaulted loans ( mine and the co-signed XXXX ), only about {$4.00} of the {$150.00} was being applied to each outstanding loan balance. 
The director of finance at my job told me to ask for an amortization because they are required to give that. I asked XXXX for an amortization of the payments to see where the money was being applied but they said they could not provide me with one. I talked to XXXX XXXX ( works for XXXX ) about trying a buy out for {$2500.00}. I had {$2100.00} in savings and checking combined. I offered him that, but he refused. And he had to have all the money today or the offer was no good. 
I contacted Navient, who transferred me to their " account portfolio manager '' and I told her the situation. I told her I believed the collection agency Navient sent me over to was fraudulent. But the lady said there was nothing she could do. Of course I could hardly understand her because she was from XXXX. I asked her if I could go back to paying Navient directly. She said no. She could only tell me she was affiliated with Navient, but I was talking to a separate company. And that she was going to be assigning a different collection agency ( XXXX XXXX ). I did not agree to that but she did not change her mind. I have received XXXX letters, XXXX from XXXX XXXX and the other from XXXX XXXX offering a buy out option on the co-signed loan. 
I do not know which companies to trust. I do n't think Navient is very trustworthy either. I believe the private loan side is in cahoots with the collection agencies they 're assigning. I can not find an unbiased source to talk to for help, other than the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Not sure where to start but the loan modification that i applied for with Penney Mac was on going but Penney Mac decide to move forward with the foreclosure sale even after stating in the month of XXXX that there was no sale date to worry about and the Loan Mod was in process I do n't understand why this company is XXXX XXXX on foreclosing on my home when i have supplied them with 99 % of the required documents for a loan modification review, I have repeatedly told Penney mac i would like to keep home and obtain a loan modification and not lose my home because of one outstanding document, which they have now as of the date of this complaint.

Company response to consumer: Closed with non-monetary relief