milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AP).
Issue: Loan servicing, payments, escrow account

Complaint: We have been in the process of modifying our mortgage, which is an investor-owned mortgage with XXXX, serviced by Bank of America. We began this process back in XX/XX/XXXX ; I requested a modification because the term of the existing modification had expired. More importantly, I have a new job overseas, which will result in a significant reduction of income. Long story short, Bank of America has made this process a complete nightmare from the outset. They are either willfully incompetent or are wittingly engaged in illegal activities. They have made agreements in bad faith regarding the removal of the escrow account they they added in error in the first place ; they did irreparable damage to our credit ; they put me at risk of losing my job. They previously added an escrow account to the loan which they themselves advised was NOT REQUIRED for our loan program. 
After 7 months of the back and forth, our customer account manager changing XXXX times, we were going to opt out of the modification because there seemed to be no end in site that would be advantageous to our family. Why would we sign up for a loan to modify our existing payment that is MORE than what we were paying? 

After posting my displeasure via social media, we finally got some response and are currently in the closing phase of the loan modification. However, it has been stalled for the past 3 months because BOA lost the original loan documents. We signed the loan documents on XX/XX/XXXX. We had to download the documents from BOA 's loan portal because we can not receive XXXX XXXX and BOA would not mail to our overseas address because it is a XXXX XXXX . I called BOA to advise that I sent the documents as instructed in the cover letter to a XXXX XXXX in XXXX XXXX, CA. However, learned on XXXX XXXX that the forwarding service had expired on that XXXX XXXX and it was supposed to be returned to me. However, I just checked the tracking on XXXX that the documents were signed for by XXXX at Bank of America in XXXX TX on XXXX XXXX. They have held unapplied funds for 3 months - even though we have made the FULL contracted payment, charged late fees, and reported us for non-payment/delinquency, while we have patiently waited for our loan to close. I did try to contact XXXX via the XXXX Manager but there has been no real follow-up on my inquiries since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Dear Whom It May Concern : I could really use your help! As a single mother, I struggled to make ends meet, I was able to send my son to XXXX XXXX University and took out student loans due to the fact we never received child support. I did not have a college fund for my son, Im proud to announce, he graduated and is now a XXXX XXXX. Our whole family was thrilled for this because the majority of us are police officers for the city of XXXX. 

Since XXXX, Ive been making monthly payments. At some point, unbeknownst to me, my loan was sold. I was unaware my payments were not going through the loan company until my tax refund was taken due to lack of payment. I was n't given any credit because of the fact my loan was sold. 

After my refund check was taken, I now had an account number added to the loan. When the government restructured the student loan process, it feel between the cracks. I immediatley contacted the lender and set up a new payment plan. They stated once I made XXXX consecutive payments, I would be in good standing with the loan company. I made the payments and still another tax refund check was taken from me. 

This year, once again, while taking my tax refund check, they resold my loan. I was still in the process of setting up a new payment plan and Im still waiting for that to go through. The new statement stated the same thing as before, if you make XXXX consecutive payments, I would be in good standings On the last line of the application it stated, after making the XXXX consecutive payments of my loan, will again, be sold to a new lender My credit rating went from a XXXX to a XXXX. I have always prided myself in having great credit and making sure I pay my bills on time while raising XXXX children without child support and working XXXX jobs, without help and any outside assistance. The original loan was set at {$16000.00}, now it has jumped to {$48000.00}. 

Im am begging for help! Im forever going to be on this hamster wheel, regarding this student loan. Due to the fact that they will always be reselling this student loan to new lenders. Im a hard working woman and truly need your help! Please consider taking on my case. 

Thank you so much for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information in violation hippa, cra file id theft and police report to XXXX police dept XXXX case number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Im trying to get my free credit report and i cant

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru CHASE Bank. I contacted Chase bank customer service, who transferred me around 5 times, having to repeat the same story to XXXX different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from CHASE Bank, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. CHASE had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. CHASE then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/XXXX Further, CHASE received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/. CHASE REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from CHASE Bank 's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from CHASE Bank, who is destroying my credit for 7 years! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I got a private student loan from XXXX XXXX, which has since been transferred to Navient. The original loan amount was for {$30000.00}. Since the first getting the loan I have paid over {$23000.00} in interest ( interest rate is currently at 12.125 % ) and I still owe {$27000.00}. I will never be able to get out from under this loan even though I have practically paid it off just in interest. Navient has been unhelpful on the multiple occasions that I have reached out to see what options were available to me for paying off my loan. I am XXXX years old and am trying to purchase my first home with no success as I have fallen behind on credit card payments over the years in an effort to pay off my student loan first. It has ruined my credit score, my chances of getting a home loan, and has caused tremendous stress in my life. Additionally, Navient is beyond unethical in how they post my owed payments each month. One month I will owe {$360.00} and the next month it will be {$54.00}. I 've searched my account for a monthly statement that would help me better understand how my money is being applied with no success of finding one. I was directed to put my loan into forbearance, have been denied tax deductions for the interest I have paid on my loan and am honestly at a loss for what to do. I have been in touch with Navient several times to try to negotiate the terms of my loan but they will not talk about repayment options until the loan has had a late payment on it and then that mark goes on my credit score. I do not have the knowledge or power to get myself out from under this loan. It is a huge burden with no relief in site.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I applied the Citigold checking account XXXX XXXX by signing up for its promotion offer - a bonus of XXXX miles upon fulfilling its requirements. 

1. One day after I opened the account, I called Citigold customer service, the rep confirmed that I was indeed signed up for the promotion. 
2. In XXXX XXXX, upon completing the requirements for the promotion, I emailed Citigold customer service again. I soon received the following confirmation email that I indeed completed all requirements. 

" From : XXXX XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold, my name is XXXX. It would be my pleasure to review your promotion completion status. 

I am glad to confirm that you have completed all requirements for offer code XXXX and the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. Your 90 day waiting period will begin at the end of XXXX. Please keep in mind this waiting period is standard for all promotions and can not be waived. " However, five months later, I contacted the customer service again asking why no miles were posted to my account. I was told that I ca n't get the miles because I was not on their initial target list. 

I said I would be OK with the new decision if Citibank was willing to refund me the {$60.00} Citigold service fee I was recently charged. I would have not opened the Citigold and paid the fee if it was not for the multiple confirmations from their customer service. 

Citibank replied with refusal to refund the fee, and re-affirmed the refusal to honor the promotion I signed up for, despite what their reps confirmed in the past.

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 08-04-2015 about Debt collection (I do not know) with Credence Resource Management, LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive calls from a 'debt collection agency ' using the number XXXX. They claim that I have an outstanding debt and they are charged with collecting it. This is simply not true. I have refused to answer the phone and have taken steps to block the call and do have my number registered on www.donotcall.gov. I have gone online and have learned that others have similar complaints. I would like for the FTC to investigate this company for consumer fraud since others may fall victim to this scheme and so that they will stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: I have had a non active checking account for many years. 
It has held a {$5.00} balance as a local branch person told me to keep it open. 

XX/XX/2017 the bank assessed a dormant fee of {$10.00}. These are terms they just dreamed up I guess. Banks do n't earn money they fee people. 
I contacted via online through the onlne banking system. I told them to reverse the new made up fee and to close the account and send me the {$5.00}. 3 TIMES Reached the call center today after receiving a collection letter for their made up fee reiterated the entire story to some " Business banking specialist '' and they maintain their XXXX stance on their fee. 
Was n't this the same bank that was scamming people on forced placed insurance a while back too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed a XXXX XXXX Credit Card account on my XXXX, Experian, and XXXX accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. XXXX, and XXXX has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to XXXX : a closed date of XXXX/XXXX/XXXX, high balance of XXXX, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
XXXX is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: First contacted XXXX XXXX and XXXX XXXX XXXX in 2006 about daughter needing money to finish XXXX quarter. Before I signed as a cosigner on XXXX XXXX loan, I had a three way conversation with XXXX XXXX, the school and myself. Found out what she needed and expressed my wants to have the school paid directly with the monies, not to XXXX, XXXX XXXX Rep told me on the phone, it would be done. The following fall, XXXX my daughter did n't return to school, stated she did n't get enough financial help. Two years pass and I get a late notice on monthly payment, then I was told by her brother the reason of not returning to school was that she requested the loan to be sent to her after the original agreement and spent the monies. To verify that I call the financial aid dept. and they said that from the phone conversation in the beginning they waited on the funds but never got that check from XXXX XXXX as agreed. Since that time XXXX, because of being primary has put loan in forbearance, change email addresses for contact and not paid on the loan just to cause issues with me and my credit. I have take her to court 3 times, won the decision that she owes the money and she has told the judge 3 times she does n't owe it and spent the money and I owe it. Because of her owing money to everyone she does n't have anything in her name, just her husbands name. They have a new home, she drives a XXXX Chevrolet Tahoe, her husband works for XXXX, she bragged about how much money he makes and she works and gets paid cash so nothing shows up. She graduated from XXXX, and still pays this payment irregular so it messes up my credit. This last XXXX from what I was told when Navient, the new servicer contacted me in XXXX, she was 90 days late on the payment. They waited 90 days to contact me and it knock my credit rating down almost XXXX points to XXXX. XXXX does n't care because this is a game she plays knowingly that effects my credit because now since I had to retired, by monthly taxable income is {$190.00}. 
Navient calls me 3 to 4 times daily and sends me emails. When I talk to them and tell them that I cant afford to pay this amount and why do n't they contact her they say they have but contact me more because I am cosigner and then start making threat to me what they are going to do to me financially. XXXX does this to ruin my credit, I should have listen to my son back in 2006 and not signed this. I have tried to contact the Ombudsman department at Navient to resolve this but not response

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am XXXX ill and sick with XXXX and XXXX. I have had fraud, ID theft, and forged documents in my name appearing before. I was able to handle it. However, currently a company called NAVIENT is claiming I took out a loan with them, consolidated it, and even made cash payments. This entire thing is a fraud and they have a forged signature. I need help resolving the issue. I will attach a statement I typed up so that you can clearly understand my circumstances and what has happened regarding NAVIENT.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/2017 XXXX There is ( XXXX ) reporting on my Credit XXXX XX/XX/2017 XXXX XXXX/XXXX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017

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 11/22/2016 about Consumer Loan (Installment loan) with Performant Financial Corporation (MD).
Issue: Problems when you are unable to pay

Complaint: Debt collector, Preformant Reco, telephone number XXXX has made repeated calls to my place of business. These calls continue after multiple requests to XXXX & XXXX. Company persists in calling and has been told that the employee they are attempted to contact is no longer with the company.

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