milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My private student loans originally owned by XXXX XXXX were recently sold to Navient. Over the last year and a half I have filed several complaints with the CFPB ( case numbers:XXXX,XXXX,XXXX,XXXX ) in attempts to receive a reduced monthly payment, as I lost my job and have been working part-time since that time. I was initially told by the loan servicer XXXX that the reason I was having issue was because the loan was, at the time, owned by XXXX. In further conversions ( via CFPB complaints ) I was offered a reduced payment plan by XXXX, however after applying I was simply told that my " income '' precluded be from being eligible. When I inquired further I was told that the basis under which they made their decision was " proprietary information ''. Though I was unable to maintain the $ XXXX monthly payment I have paid something on the loan every month just to show good faith. After finding out my loan was sold I reached out to Navient in continued attempts to lower my payments, and bring my account to good standing. The Navient representative I spoke to indicated because my loan is delinquent there was nothing I could do to lower payments or rectify the situation short of paying the back balance in it 's entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The XXXX ( XXXX ) is currently assisting the above referenced clients to review a legal matter. Please accept this letter of representation regarding our mutual clients XXXX and XXXX XXXX. 

We are writing this letter in an attempt to resolve a Lender Placed insurance issue that caused my client to become delinquent through no fault of their own. My clients continuously maintained adequate insurance coverage on the above referenced loan, and provided proof of insurance as required on multiple occasions. Despite having had continuous coverage, and providing that proof of insurance, the lender purchased lender placed insurance for my client property. 

Both loan payments were increased to collect for the lender placed premium. This error caused later fee, negative credit reporting, and a mortgage delinquency. 

In order for a thorough review to be completed we request that your office intervene and have the lender provide these documents. We have requested a copy of all lender placed notices, payment history, and escrow analysis for my client loan. The following documents are requested : A copy of all Lender Placed Insurance Policies and Lender Notices issued on both loans. 
A complete payment history for both loans. 
A copy of all system notes related to both loans. 
A copy of each and all escrow analysis completed on both loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: The debit collector is ad astra recovery services. I have gone through so many things trying to get them to understand I was a victim of identity theft in  XXXX  and the only way I found out about it was trying to file state taxes, someone was able to file taxes in my name using my social security number, I have submitted documents from the IRS to them showing them the supporting documents. I have never received anything in mail about this account nor have I ever received any phone calls. This information was placed on my credit report and that was the way I found out someone had taken a loan out in my name. The amount posted was {$720.00} that was placed in  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$XXXX} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control. 

This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.

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 03-01-2018 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I opened a checking account with Fifth Third Bank during XX/XX/XXXX. After meeting certain requirements, they issued me a {$250.00} account opening bonus. 

On XX/XX/XXXX, I went into the branch to inquire whether or not the bonus is considered interest. I had not received a XXXX form from Fifth Third Bank at that time. After checking the bank 's systems online, the branch officer indicated that there would be no XXXX issued to me for this bonus. Relying on that information, I e-filed my state and federal income tax returns for XX/XX/XXXX. 

On XX/XX/XXXX, I received an e-mail from Fifth Third Bank that a new tax document was available for my checking account online. I went online and discovered that they issued me a XXXX for the bonus amount on XX/XX/XXXX. I still have not received the form in the mail. My understanding of the tax regulations is that the bank was required to mail me a XXXX form by XX/XX/XXXX for calendar year XX/XX/XXXX. Fifth Third Bank did not comply with the tax regulations in this regard. 

Because Fifth Third Bank did not follow the tax regulations by issuing me a XXXX form in a timely manner, I will now be required to file amended tax returns at both the state and federal levels. This will result in added time and expense on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Ever since my mortgage was transfered to Ocwen always had problem with this company. the latest is about last week XXXX/XXXX/2015 I send this company XXXX payments of {$5000.00} dollars and another payment of {$530.00} via electronic transfer to be applied towards my Principal balance. Before I make transfer I called the company and instructed them to apply all this payment towards principal and they should continue to take my monthly mortgage according to automated Periodic payment I have set up few years ago. They assured me that they do just that. As I was tracking my payment, I noticed that they have not applied all the payment and they have taken XXXX payment of {$530.00} for months of XXXX and XXXX despite them assuring me that all payments will be applied towards principal. Since I discovered this, I have call them on XXXX separate times and every time they can not confirm definitely the will do just that. I have never been late in my monthly mortgage payment ever and I do n't accept this behavior and mismanagement with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: I have an account with Fifth Third Bank. I checked my account and discovered that my student loan payment had gone through despite requesting a recalculation which typically results in the payment not being processed. This resulted in an overdraft and my account being - {$600.00}. I contacted the bank that financed my student and was advised of the process for requesting a refund. I was told that this could take up to 20 days. I immediately contacted Fifth Third customer service to ask questions about the overdraft and fees. I specifically asked if the fees were incurred per item per day the account is overdrawn. I was told that the fees were not assessed per day. I was told that of the {$110.00} in overdraft fees they would refund {$74.00}. I specifically asked that as long as no additional transactions would go through would I not be assessed any additional overdraft fees. I was assured that I would not. I checked my account today and I was charged another {$180.00} in overdraft fees. This time when I called the rep, I was told there were a total of XXXX items that cleared. I tried to explain to the rep that those transaction were conducted before the overdraft and most were pending when I spoke with the rep on the day prior. This rep stated that I had been misinformation the day before. Fifth third is no stranger to the CFPB for it 's misleading practices and deceptive fees. I do n't understand how XXXX reps working for the same entity can provide such different information. I explained that the overdraft was not my fault and I was not in a position to clear the overdraft before XXXX XXXX, XXXX. I have been a customer of the bank since XXXX and have been back and forth about their fees and policies for years. The one reason that I have yet to close my account is because of the fifth identity alert feature which provides some great credit monitoring benefits. But this is costing me more than it 's worth.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Since XX/XX/XXXX I have been assigned XXXX ( XXXX ) " Dedicated Loan Specialists '' from Nationstar Mortgage , LLC to assist me through my Loan Modification process. My most recent specialists, XXXX XXXX XXXX states on his voicemail states that his name and contact number were erroneously added to thousands of Nationstar Mortgage correspondences by a computer mistake ; He then gives you the general number that contacts an automated response. I found out yesterday ( XX/XX/XXXX ) speaking to a Nationstar Customer Service representative that I do not have nor did I ever have a Dedicated Loan Specialist assigned to my account ; furthermore, he stated that my history had no one assigned to my account. ( This must be why I have not been able to reach any of these people! )

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I found on Equifax credit report XXXX " Derogatory Mark ''. I have never had any of my accounts go to the collectors. I am always on time or maybe late a day or two. All my credit cards received payments and I am keen not to have a late payment. This must be a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX/XXXX/XXXX I reviewed my credit report and saw a collection debt for : Diversified Consultants Inc XXXX in the amount of XXXX. I called the number and spoke with a person that told me I had a debt to XXXX XXXX with an account # XXXX. I stated I never had an account with XXXX XXXX. They instructed me to contact the fraud department at XXXX. I called the number and it was XXXX XXXX, I explained that I had never had an account with them and was instructed to call this number to report fraud. After speaking with a lady on the phone and her asking a lot of information I finally realized that she must be talking about another internet company. I told her I could not remember the name but it was XXXX something. I explained that I did live in XXXX and I had a man come out and promise me that I would have great service and it would be just like XXXX with fast internet. I did agree to have it installed, however after XXXX days it stopped working. I called customer service and the only thing they would tell me is I needed to pay more money for better service. I had explained that I was already promised to have good service. I ended up paying more money and then XXXX days later the service went out again. I called back and told them that I was cancelling service due to misrepresentation of the product sold. They told me to send the equipment back. The dates on the account are XXXX/XXXX/XXXX open XXXX/XXXX/XXXX closed. I explained all of this to the lady on the phone. She stated that they do have third party installers, but she was unable to verify if or who installed the service for me. She said that I could file a fraud complaint and that the only way I could get information is through the police department and that I owe XXXX. I told her that I would not pay that money to them and I did not owe XXXX XXXX any money and how could I have a bill in XXXX month for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2015 I was sued by Portfolio Recovery Associates. I went to court and was ordered to mediation. At mediation, the attorney for Portfolio and I agreed on a settlement, to which I had 30 days to pay. I paid the debt in time. 
Portfolio will also confirm that it was paid in XXXX 2015. Every single month Portfolio reports to the credit bureaus that the debt is valid with the original balance. Every month I have called, spoken to their dispute department and was told they would take care of it immediately. It has yet to happen. Last month after months of inaction on their part, I disputed the charges with all XXXX credit bureaus. Portfolio in turn sent debt validation, validating the debt in writing to me and to all XXXX credit bureaus, 6 months after it was paid in full. I just spoke to them again, told them they are in violation, and they hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In XX/XX/XXXX I began dealing with a man claiming to be a vendor for equipment for my business. I was told that in order to purchase the equipment I needed to set up a merchant services account. On XX/XX/XXXX plans were made for me to pick up the equipment 700 miles from home. At that point I gave my banking information in order to set up this account. Upon arrival to pick up the equipment I discovered it did not exist. I called my bank to ask them to put a block on my account because I was afraid this man would try to draft my account for equipment I did not purchase. After driving the 700 miles back home I checked my account just for my peace of mind and discovered that he HAD. My bank account was in the negative. It was late in the evening so I went online and chose the online chat option for dispute. I was assured that a dispute was put in place. The next morning I went into my bank to make sure the dispute was filed. I was told that it had been more than 24 hours since the draft had taken place so they would not file a dispute. It had actually been within the 24 hour period but they told me that at XXXX XXXX they consider your 24 hours over. I was promised that my case would be sent to escalations. It has been weeks. I 've spent hours on the phone, emails back and forth with the escalations departments getting the same answers over and over. A police report was filed 2 weeks ago and the report number sent to the escalations department at the request of the last woman I spoke with. The police called and asked me to file a FBI report as well, based on the complexity of the fraud. All of this has been reported to my bank. They still refuse to refund my money and have added overdraft fees continually throughout this process. They are also charging a daily fee for my account being in the negative. The branch manager has removed some of the fees but not all : just what she was allowed in her position. 

The merchant services company that I was told I was working through was named XXXX XXXX. The charges have been made by a company called XXXX XXXX. I have also called this company repeatedly to no avail. I am told a case is set up and being investigated and will receive an email 5 minutes later stating that my case has been closed. In the police report it is stated it is stated that this is the most sophisticated case of fraud within the company that the investigator has seen. This is why I was encouraged to file a FBI complaint. As it turns out the " vendor '' for my equipment is an agent for XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Transunion is reporting that I have an open Chapter  XXXX  bankruptcy. The case was closed without a discharge because I submitted my financial instructional course too late. My attorney would not re-file to reopen the case. T he US Bankruptcy Court gave  me a Notice - CASE CLOSED WITHOUT A DISCHARGE. I have spoken to  3 different supervisors in the past month and filed at least 4 disputes to have this  removed from my credit report. The other  XXXX  credit reporting agencies deleted the Chapter  XXXX  from my report without any issues with the same exact documents I have provided to Transunion. I do n't know what else to do, I have disputed on line, on the phone I have provided documentation from the court. I went down to the courthouse because  one o f the supervisors told me the court was reporting it as active, however when I told that to the clerk he in turn showed me the same document they have on file " NOTICE CASE CLOSED  WITOU A DISCHARGE. My case is closed, not discharged, not  dismissed. It needs to be deleted.

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 09/28/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I settled in full an account with Diversified for the XXXX XXXX XXXX collection # XXXX.Attached you will see a letter confirming this. Recently I was alerted by my mortgage company that I have a new collection from Diversified opened in XX/XX/XXXX for XXXX XXXX XXXX for almost the exact same amount. In reviewing the report, it appears the last date of activity on the first collection was in XX/XX/XXXX and then the new one was opened in XX/XX/XXXX as well.I do not understand why they opened a new collection account for a collection that was just paid.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Unexpected or other fees

Complaint: on XX/XX/2018 I purchased 4 XXXX gift cards from XXXX XXXX XXXX in XXXX XXXX, CA totaling {$2000.00}. Upon purchasing, I noticed that all the cards were opened. I was able to register my cards, two of them I was able to remove the balances, while the other two were hijacked and used at a XXXX over 100 miles away.

The cards are issued by US Bank, and I have called their fraud help line to file a report. I filed the report the same day. I am assuming that they are not going to investigate and they are telling me that it may take longer than 90 days to get my money back. I have been ripped off for about {$1000.00}.

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 05/16/2017 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Last week I was contacted by a debt collection agency by the name of  XXXX   XXXX   XXXX ,  XXXX  and told that they had a debt of {$150.00} that I owed Fifth Third Bank. I asked for proof of the debt and they sent me an email that was their own statement. I have asked for proof that I ow ed Fifth Third Bank anything and they told me that the email was all they had. I have been called upwards of 20 times in a day various number in an attempt to annoy me. I have asked them to send me proof and they still have not. Today I told them to stop calling me and hung up. The company called right back and said they would take other actions to get the debt. If Fifth Third contacts me with proof of the debt then I will pay the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do n't remember giving my authorization to this company to get a loan

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (I do not know) with Merchants and Medical Credit Corporation, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: THIS COMPANY HAS CALLED MY WORK PHONE AFTER I TOLD THEM TO STOP CALLING, THEY ASKED TO SPEAK TO PEOPLE SITTING NEXT TO ME THEY ASKED THE RECEPTIONIST TO PAGE ME AND KEPT ASKING FOR A CELL PHONE NUMBER AT MY PLACE OF EMPLOYMENT. THEY CALLED MY CELL PHONE 13 TIMES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar provided a HAMP modification to my primary mortgage, XX/XX/2013, with a provision they failed to deliver : XXXX Rev XXXX says and I received the " annual incentive payment of up to {$1000.00} for the first XXXX years after the loan modification. '' However, despite XXXX Rev XXXX saying " In addition, once your loan is permanently modified, you may be eligible to have some of your principal forgiven on a deferred basis. So long as your modified loan remains in good standing, we will forgive {$49000.00} of the principal balance of your loan each year on the anniversary of your first trial period payment date for XXXX years. '' that provision has been ignored, despite never missing a payment, remaining in good standing and several attempts to communicate the desired principal reduction XXXX my house is still underwater XXXX years later XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation