milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (PA).
Issue: Trouble during payment process

Complaint: I am trying to get PMI removed. I have emailed ( 3 times ) and written the loan servicer as is required. I have yet to receive a response. It has been 2 months.

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 12/28/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other fee

Complaint: I opened a credit card account with Macy 's and waited for my 1st bill, it was delivered in XXXX 2015, quite late with little notice. It was due within two days, so I called the number for payments and made a payment in full for XXXX for my XXXX purchase. I got a confirmation number of XXXX. Today, XXXX/XXXX/2015, I received a call saying they never received my payment and I am 2 months late. She says they have been mailing notification but I have not received anything. The bill is reported as late and in collections and they are charging me fees on top of this. They are using an address in SC. I have called this morning 4 times and am still on hold this is because they are busy??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: XXXX  Alumni of  XXXX   XXXX  seeking guidance on how to get help. Owing more than {$30000.00} in student loans themselves, plus an additional {$20000.00} in additional fees totals more than {$50000.00} in debt. I spoke with financial aid on multiple occasions trying to find other options to pay for school, was misled on every instance. I feel as though the financial aid that I received was pressured upon me with little to no information. I am now a parent, struggling to support my family in a field that is not related to my major what so ever, as I am unable to find a job with my degree from this school. I have tried to seek help with repayment programs, but every possible option leaves me unable to provide for my family as the payments are more than I could possibly afford, roughly {$320.00} a month. The IRS has taken my entire tax refund the past two years, adding up to over {$3000.00} applying them to my student loan which is in default. I am currently making monthly payments of {$5.00} to start my process, and have been for the past 6 months to try to be able to avoid the IRS taking my entire refund this year. This was unsuccessful and it seems as though I wont see a refund for a very long time. Please help, I have no idea where to turn and the institutions set in place to help me with repayment have not provided me with any other information, even when asked for, to help my situation. I paid {$930.00} in student loan interest in   XXXX  , alone, and do n't even get me started on my c redit score ... I need help ... fast.    Thank you for your time and for your efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX made an arrangement with me for repaying loan. I made XXXX payment XXXX for XXXX dollars and the other was XXXX dollars. I received a threating letter saying because I was XXXX dollars short on my payment my account will be sent to a third party that will sue me for everything I got. Also the debt was XXXX now its XXXX and XXXX XXXX said if I made a payment every XXXX on XXXX I would be ok. Today I called and they begin threatening me and I said I was preparing to make a payment XXXX. They said I promised to pay the entire amount by XXXX which is a lie. Please help resolve problem my goal was to continue making payments until debt is cleared. 

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 03/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing this letter regarding my mortgage loan I have had since XXXX, XXXX for my house. My involvement with the Loss Mitigation Department of Shellpoint Mortgage Services began in early XXXX XXXX. 

I had an unexpected downturn in my business in XXXX XXXX, which resulted in a significant loss of income and my inability to make my mortgage payment. I immediately contacted XXXX XXXX XXXX Mortgage customer service department to learn about the options available. I received a detailed package in the mail to initiate the loan mitigation process. Meanwhile my mortgage was transferred to ShellPoint Mortgage Services. 

I have submitted all required documents to ShellPoint Mortgage Services numerous times from XXXX, XXXX to XXXX, XXXX. When I call to check the status of my packet, I am forced to leave a voicemail. On occasion I have had the opportunity to speak to an agent, who indicates the packet had not been sent to the loan processor yet and to call back, or the packet is with the loan processor and they will call me. After repeated attempts and requests the progress remains null. 

At this point in the process it is clear that Shellpoint Mortgage Services Loss Mitigation Department is engaged in a pattern and practice, which is certainly unsupportive. I have complied with all the requests from Shellpoint Mortgage Services, however, it appears the overriding goal of the Loss Mitigation Department is to force my loan into foreclosure and take my property from me. 
I have been making payments, but remain behind and I have difficulty maintaing the payments at this point and need assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX charged off a huge cell phone bill that I have disputed for over 3 years to XXXX collection agencies. Initially, XXXX sent this disputed, unresolved balance to Jefferson Capital. Jefferson Capital accepted a proposed settlement in the amount of {$1000.00} because this is the amount I felt I owed for breaking the contract. Instantly, I paid {$500.00} and agreed to pay remainder {$500.00} over a 60 day period in which Jefferson Capital agreed. I called Jefferson Capital, LLC back and they informed me they no longer serviced the debt. I suddenly contacted XXXX recovery department but was either disconnected or hung up on several times when attempted to speak with someone for several weeks. Starting the last week on XXXX, 2016, I started receiving many calls from XXXX ( XXXX collection agency ) who said they represented XXXX. They said they had received several complaints from customers stating they already had payment arrangement with another XXXX collection agency but regardless, they could not work with an amount agreed upon by former, Jefferson Capital, LLC. They refused my proposal of remainder {$500.00} and persistent on a set amount. I again tried to reach out for help from XXXX. XXXX refuses to discuss this with me although they are reporting derogatory on my credit. This need to be cleared up XXXX. Why wo n't a creditor like XXXX discuss balance with me and they are reporting on my credit? XXXX has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed an Qualified Written RESPA request for information with my servicer on XXXX XXXX, 2015. They completely ignored it. Then, after waiting for a while and receiving no acknowledgment, I filed an complaint with you and re-send the RESPA request to BSI Financials on XXXX XXXX, 2015. This time, because i file a complaint with you, I did get a response. However, the response was not complete and did not contain important information material to the review of my loan. In their response, XXXX XXXX, a BSI financial complaint resolution specialties, writes that she finds my request " overboard or unduly burdensome ''. Interesting choice of words since, the RESPA GUIDELINES are quite clear about what information can be requested and that the Servicer must comply with the request. The RESPA guideline do not say that a Loan servicer or Lender can pick and choose what information to provide and what is burdensome and therefore can be skipped. I strongly demand that they compl with RESPA guidelines and provide complete information as per my qualified written request. If they do not have proper documentation for this loan they should forfeit the rights to foreclose on the property. 

In addition, They have been using wrong name on all correspondence, notice of default and notice of sale. My name Is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. Law requires that all notices including but not limited to Notice of default and notice of sale must be corrected and issued again. Or, please provide documents showing how any why it was necessary to issue notices to wrong name and thus wrong person. According to the California 's NON-JUDICIAL foreclosure law, all information contained in the foreclosure communication or notice is must me truthful and correct. Notices containing untruthful information such as wrong name and addressed to the wrong person are null and void. 

Please understand they are trying to foreclose on my family home without proper documents, process and with untruthful information. Their assertion that my request causes unduly burden on their institution, is insensitive, disrespectful and most importantly points to a fraud. I respectfully demand that they Immidialaty dismiss all foreclosure activities. follow the California 's NON-JUDICIAL foreclosure law and comply with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Billing disputes

Complaint: THIS IS A NEW COMPLAINT WITH NEW INFORMATION! Please review the updated information so that Discover is required to respect the law. In 2009, I moved to XXXX. I have lived here in XXXX XXXX, XXXX for the past 6 years. Discover keeps reporting an account to my credit with a balance that is collectible with out verifying I did guarantee it or when the last payment received. They claim I have lived places with out documentation. They still attempt to collect a debt now acknowledging it is out of the statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My bank account always slow when it come to send the app that am using information about the that I have in my amount.

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 11/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are currently being services by Navient. Old loans from XXXX were transferred to navient, in addition to new loans being serviced by them as well. XXXX billed me, with a due date of XXXX/XXXX/16, and I paid them. Soon thereafter Navient sent me a bill. My payment to XXXX was not forwarded or processed. I contacted Navient on XXXX/XXXX/16 and was told it should transfer. Now on XXXX/XXXX/16 I still have no credit and the account reflects a payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX/XXXX/XXXX I submitted a request for mortgage assistance to CitiMortgage to short sale my home. I started to receive correspondence from CitiMortgage appraising me of the status of the request. Correspondence indicated I was going to received an answer by XXXX XXXX, XXXX. On XXXX XXXX, XXXX I called CitiMortgage to get an update on my request. The mortgage assistance specialist handling my request, XXXX XXXX, does not answer her phone and her voice mail is full and I can not leave a message. I chatted with CitiMortgage and did n't get anywhere. Every time I call customer service ( I tried XXXX different numbers ), my call is automatically transfer to XXXX XXXX, and of course, she does not answer and I can not leave a message. CitiMortgage is being threatening to foreclose my mortgage since XXXX, and this is the XXXX time I ' m attempting a short sale. I have multiple offers but can not proceed until CitiMortgage approves it. The first time they drug their feet and it seems they are doing the same this time around. In the meanwhile, fees upon fees keep accumulating on my mortgage.

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 04-04-2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2016 my family received approval for HAMP tier 2 from SLS ( XXXX XXXX XXXX ). The three Trial Payments to begin XXXX XXXX, 2016, however four weeks later I was notified that the file had been audited after my approval was sent out and that unfortunately a mistake had been made while processing the file and that our family did not qualify to receive the modification after all.

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
Consumer complaint received 09/29/2016 about Debt collection (Credit card) with New Era Asset Management, LLC (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX ( XXXX ) from New Era Asset Management has called my workplace on the unsecured line, called other phone lines in my name, very aggressive nature and states he was told to contact me for a complaint filed in XXXX County for a debt that I owe. I have not received any written documentation from his company regarding the debt or a chance to call them with a resolution. I am recently employed after being laid off 2 years ago and along with caring for my XXXX sick mother and also dealing with my own health issues, I have fallen behind with a lot of debt and will need 3-6 months to get caught up. XXXX states that the " smart '' thing to do would be to call him back. He also states that he knows where I work- this statement implying a threat to interfere.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Late fee

Complaint: I am fuming over this. I had a Dillards American Express for years from back when I worked there, they paid us on it. Anyway, unfortunately I kept a balance on it until XX/XX/XXXX when they closed my account over late payments. I paid it off after that and did n't worry about it, until I went to my credit report and saw they marked me as XXXX late payments and closed my account, hitting my credit score hard. I then went back though some of my statements in XX/XX/XXXX, and I saw they charged me : Mind you, my payment was due on the seventh of each month XX/XX/2016, {$25.00} late fee, when I paid on XXXX XX/XX/2016, {$35.00} late fee, paid XX/XX/XXXX XX/XX/2016, {$35.00} late fee, paid XX/XX/XXXX I called them after I researched it and they said in 7-10 business days I 'd have a check for the {$95.00} total. I waited, nothing. I called last week, they said 1-2 more days, I waited, I called tonight ( I work XXXX ) and they said it was just getting to research since they 'could n't see the fees ' and that I should call them in a week. I contacted my credit agency and filed a change for the late fees, and it was resolved.

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

Complaint: experian would not delete wrong information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I did not apply for chase Credit card

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Recently I was contacted by one of the customer service representative they asked me if I could afford certain amount of money per month I asked them if they had an income-based program and they told me no I currently Am paying any mount that I am struggling to keep up with when I have income-based repayment plans with all my other loan providers XXXX it has been unwilling to work with me in continuously calls me trying to get me to pay the amount that I told him that I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: It appears XXXX XXXX inappropriately shared banking information with a 3rd party company and processed servicing rights without prior communication or authorization. Heartland ECSI CSR states that banking information would not have been transferred with their account ; however, they pulled money out of and the put back into my account in their company 's name. After the transfer, and communication I set up direct debit but they did not process my quarterly payment XXXX/XXXX/2015 and charged a late fee. The CRS stated I would have to talk to XXXX XXXX about a refund of that fee and claimed I set up a one time payment and not recurring despite their system stating " Starting XXXX/XXXX/2015 quarterly XXXX ''. The transfer process and lack of accountability is unprofessional. I contacted XXXX XXXX in XX/XX/XXXX and they said to talk to ECSI the new servicer and ECSI states to talk to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have private loans with both XXXX and Citibank and a federal loan with XXXX. My payments for all XXXX amount to {$1100.00} per month ( though only {$120.00} of that comes from my Federal loans ). I am a XXXX and only make {$20000.00} a year, and I have been having a lot of trouble making my payments and paying my rent at the same time. For the past 4 years, I have tried to remedy this situation, first by attempting to contact my private loan companies ( they claim that there is absolutely no way that they can change my 10 year repayment plan to a 20 year repayment plan, even though they currently offer the 20 year repayment plan to other clients ). They instead suggested that I could consolidate my loans through another lender, and so I have attempted to do so through XXXX different companies, first through XXXX XXXX and then with XXXX 's Bank. My father, who was my co-signer on the original loans, passed away, so it is no longer an option to apply with him as my cosigner. I applied first with my grandfather as my co-signer, and then my uncle, both of whom have fantastic credit scores and substantial income. I was turned down XXXX, based not on my credit score ( which at the time was in the high XXXX ) but based on the fact that I am a XXXX and do n't have " provable income ''. 

So, I am at my wit 's end. I can not afford to pay the sum I am being asked to pay per month while still paying my rent and buying groceries. My loan companies refuse to work with me to help me with the repayment and so I am currently two months behind. I have no desire to be a delinquent borrower, but the system has left me no choice. I 've exhausted all other options, and so I 'm praying that you might be able to help me in some way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief