milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (AL).
Issue: Struggling to pay mortgage

Complaint: I tried with everthing to receive a loan modification. I have emails dates and documents. About 4 years ago I was two payments behind with Citi-mortgage. I applied for a loan modification to try to catch up those two payments. Citi-mortgage modification department told me the only way I could receive a modification is that I first hold a payment so I could qualify for a modification. In there words at the time I had to be 3 payments behind in order to qualify. I did as I was told putting my self in deeper debt If you are 90 days behind you could be forclosed on. I tried for a year and a halp for loan modification. Than only thing left for me to do was to file bankruptcy house included. Money came out of my check to pay the bankruptcy department that was sent to Citimortgage by way of my attornies. Then I had to pay Citi-mortgage a regular payment of XXXX a month. Then they werenot satisfied and tried to get the automatic stay removed sent to my lawyers saying I wasnot making my payments. Remember money came from my check to pay them for back pay. Also I made a monthly payment of XXXX. My attonies negotiated and the new terms was I had to pay XXXX a month plus XXXX per month and money continued to come out of my check for Citi-mortgage. So now I made three different paymenst a month to Citi-mortgage I couldnot afford it buy I tried. Than they pursued 5 months latter to have the automatic stay removed. They succeded I spoked witth my attornies they suggested convert my chapter XXXX XXXX to a XXXX and surrender the house and walk from the house. I did as my attornies advised because Citi-mortgage refused to work with my attornies. I invested 10 years of myselft and my families life in that house. My wife and myself suffered hardship because of this situation. We had to find a rental property that cost us XXXX dollars a month. Also Citi-mortgage said we will not give you moving fee money. The move cost me and my wife XXXX plus furniture it depleated our savings. Citi sold my house and got all the proceeds. 

We could have been living in a cheaper house affordable and we own it now we are renting please investigate there tatics. I was told Citi-mortgage is a powerful company and know could take them own. They gave us no help whatsoever this was very unfair XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: The bank BBVA Compass charged my checking account discriminatory XXXX NSF charges of XXXX each totaling {$380.00} and they did this while not processing charges I made to my account in the order they would normally process to a bank. Therefore they changed the way transactions process so they could knowingly profit off of charges by discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with XXXX XXXX XXXX ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from Nationstar ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with XXXX XXXX XXXX ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On the date XX/XX/2018 Chase turned off my credit card and didnt give me a reason why. They closed my account for no reason. I only had XXXX cents but they said I can never open and account with chase again. They didnt even call to let me know. They turned off my account and waited for me to see that it was turned off.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My husband lost his job in XXXX 2013. I called RCS that night and explained the situation. They told me they could n't help me until I fell XXXX months behind. Unfortunately we did fall that far behind. I started the making home affordable paperwork. I handed all info into them and every week they state they are missing page XXXX of XXXX or they cant read the bottom of page XXXX. I keep faxing every week. I call them on Monday and fax what they need the next day. By Friday they tell me they need more papers. We met at mediation and their lawyer signed off saying they have all paperwork. XXXX weeks later I called to hear them ask for more documents. its been XXXX yrs plus and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This organization is in clear and blatant violation of FDCA. The person who interviewed me, XXXX XXXX, told me that he is an attorney and represented legal counsel and they were going to sue me. Additionally, he did not disclose the mini miranda warning to me upon me calling him with regards to the collect of the debt and said that there would be a default judgement against me that I would be forced to pay. Additionally, there was no written correspondence regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: My account with Bank America was closed in XX/XX/XXXX and I have a Credit balance which still has not been paid back to since then. It is over 45 days since the account was officially closed I get statements still showing a credit balance

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 05-09-2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Franklin Collections i n  XXXX   MS..  XXXX   hospital     {$210.00} ... informed her that I could n't pay until later thus month and she told me that they needed a payment this week, that they could n't hold it any longer. Then she asked me for my address. So I hung up. Next representative was rude as well and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello. 
I have a student loan with Navient and have had this loan since XX/XX/2009. Since XX/XX/2009, my principal has increased by almost XXXX dollars and I have been unable to make any payments on the principal due to such a high payment, and such a high interest rate. When I went to my provider in search of options to lower my payments, the only option they gave me was deferment or forbearance. Both of which added interest onto my principal. When we signed up for this loan, which was originally through XXXX, it was the only financial institute that we were able to finance through according to my school which was XXXX. My father is a cosigner, and due to his income, we did not qualify for lower monthly payments - regardless of his inability to help me pay those payments. At the time, my father was out of work, and was struggling to pay his own bills, let alone helping with mine. I have struggled to pay this bill ever since I XXXX due to the high monthly bill and my low income. They have since still offered no help and we are in danger of defaulting due to the fact that I am now out of work. I am aware of the pending lawsuit against Navient, and would like to participate in any way possible. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I mailed payment in time as soon as I got the statement JPM Chase claims to have gotten it 5 days late now there charging XXXX dollars in fees for XXXX dollars and claiming frauadently they got it late.this not fair this is highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (PR).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX-XXXX-2017 On multiple occasions I have submitted an investigation to the credit bureaus to remove from my excellent credit history these accounts that do not belong to me, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX which after research have not Been discharged from my credit history. 

These were also reported but were eliminated. 
XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX I have never lived in the United States and my credit history reports an address that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Variation of name, XXXX XXXX. I have filed a complaint with the Police Dept and in the Federal trade commission but still, the accounts that I mentioned before have not yet been verified and eliminated. This information has greatly affected excellent punctuation and I need you to help me with this distressing situation. I await your prompt reply.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They are calling ever contact numbers regardless of who it is. Telling them that if I ca n't be found they will track me. I called the company and they are trying to get me on a XXXX credit card from XXXX that was paid in full in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this company known as ( Syndicated Office Sytems, also called Central Financial Control collection company same phone # XXXX ) these are the accounts # XXXX,XXXX,XXXX,XXXX, XXXX. I have called on many occasions I was asked what is your address connected to these collections? I said I have no idea, I do not know you they hung up on me. Other calls they say they can not speak to me because there is attorney name on file, after many calls I got my attorney 's office to call they did them the same way could not talk without my permission, they did say these bills are part of my insurance deductible, not true I do not have a deductible. They donot have address with these bills every address I give they tell me it is the wrong address or my phone numbers.Syndicated Office Sytems keep insisted I pay these debts that can not be proved they are mine. I am helpless & caught in a catch 22 please help.! It is amazing with the Hippa Laws they are able hold credit hostage with out truly being able to prove these debts are mine. XXXX has enabled all of this because they contributed to allowing 7 disputes this company has failed to send me any proof yet what is XXXX receiving to keep them iaacuratly on my credit file? My score can not get any lower, I have been denied credit and I am paying a huge homeowners policy .i want these inaccurate reports removed from my credit files ounce and for all Than you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (ID).
Issue: Deposits and withdrawals

Complaint: I Had XXXX deposited into my account at usaa federal savings the money never posted to be used by us. The money was misappropriated ..so we turned to fdic and after talking with XXXX at fdic she worked out a agreement with usaa for us to be paid back at a interest rate of 40 % for every 2 weeks they held our money. And after atleast XXXX requests from XXXX for a copy we can not even get a return phone call from her ..we have recorded phone calls of her stating she was sending it, our complaint is for XXXX to provide a copy of the agreement or our money to be paid back at the agreed upon interest rate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Early this year, I had inquiries deleted from from TransUnion credit report and recently noticed that they were added back to my credit report without any notice provided from TransUnion. This has been detrimental to my credit score. Also, I disputed several accounts that I asked to be verified that I have no knowledge of without success ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ). I also have XXXX accounts that were paid from XXXX that are still listed negatively on my credit report. Lastly, I have numerous accounts reporting from the department of education that were consolidated several years ago and appear on my credit report twice ( both as consolidated loans and stand alone loans ). This is having a major inpact of my credit and my ability to finance a home for me and my children.

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 01/15/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Champion mortgage foreclosed on my father 's home under a reverse mortgage and refused to deliver the excess funds to his estate after the sale. I called Champion and the representative assured me that Champion is entitled to keep these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am the durable power of attorney for my son. I have filled the DPA paperwork with Navient over 2 years ago. I have called repeatedly in response to mail only to be told multiple things, they do n't have th e DPA  on file, that it has expired ( they were reading the expiration dat e of the notary 's commission ), that they are unable to speak with me regarding the loan becasuse I am not empowered to deal with his loan, that I have filed the wrong paperwork, that they do n't have a valid signature, etc. This is just trying to renew his income-driven repayment plan for this year. The same thing happened last year. I am resubmitting paperwork again today per their request. There is no one at Naviet that I am able to speak to or who has corresponded with me that that is empowered to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Privacy

Complaint: My credit card company ( Citi ) contacted a person never added to or authorized on the account by phone. I did not authorize the person, or provide their phone number, to the company. They told me they accessed a 'government database ' to obtain this persons phone number. None of this was authorized by me at any time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a new auto insurance policy through XXXX XXXX XXXX for a new car I purchased on XXXX XXXX, 2017. XXXX XXXX XXXX has turned me down for a new policy because there are six entries that are erroneously linked to me on my Auto Claim History Results report from LexisNexis Consumer Center. This information has not allowed me to obtain auto insurance for a vehicle I have just purchased. I have sent LexisNexis many documents that proves that I am me and that I do not own more than one car. Six cars are on this report that are not mine! 

Could you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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 recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. BeginningXX/XX/XXXX 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file

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 09/27/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX name is incorrect on my credit report. The name is XXXX XXXX. Also, XXXX account shows to be in collection and I do n't know what it is.

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 10-12-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How is this company reporting as data factoring when they were not in ownership of this account prior to the charge-off, since they are a 3rd party collection agency? My consumer rights are being violated by these entries as well as they are violating the Fair Debt Collections Practice Act. This erroneous, inaccurate item should not be reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Using a debit or ATM card

Complaint: Fraudulent charges on account are refusing to be acknowledged and reversed

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Struggling to pay your loan

Complaint: Recently my family have been faced with unavoidable documented finacial hardships. My Wife "  XXXX XXXX '' and I, informed iloan of our finicial hardship. We ask iloan to work with us and informed iloan of our goal to avoid XXXX XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need iloan to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. 


I also let XXXX  know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. 
iloan has also threatened to sue me and refused to work with me. 
I have not recieved a default letter by mail nor e-mail iloan refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. 

iloan is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX XXXX by lowering my interestrate and montly payments. 
I feel taken advantage of by iloan I feel iloan took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. 

I will add I was never sent a default letter my email nor by mail, iloan is forcing me into XXXX XXXX bankruptcy by refusing work out a repayment plan.

Company response to consumer: Closed with explanation