milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have sent 2 checks by certified mail to cover my subsidized and unsubsidized loan in the amount of {$6700.00} and {$9000.00} to cover my Career training loan. All three loans are through Navient. The checks were mailed certified mail on XX/XX/XXXX. I wrote the loan number, loan name and account number on each of the checks to make sure that the monies were allocated to the correct account. These checks should have paid off all of my student loan debt, short of a possible small amount of interest due for the time period between the date the check was mailed, and the date the check was recieved and processed by Navient. 

Navient applied the monies to the accounts in a manner that left we owing money still on 2 of the loans, {$1400.00} on a stafford subsidized loan, {$2300.00} dollars on a Stafford unsubsidized loan, and a {$3700.00} credit on my career training loan. This information is showing on my Navient accounts as of XX/XX/XXXX at XXXX XXXX. Navient recieved and cashed both of my checks and they have cleared the bank as of XXXX XXXX, and the 2nd check ( {$9000.00} ) cleared my bank account on XX/XX/XXXX. Conveniently, the 2 loans that are due to be paid next, are the 2 loans showing a balance owed still. I believe that this is so they can charge additional interest, even though they are paid in full. I have many complaints about the handling of my loan, they have gladly offered forberance to me several times a few years back without disclosing the negative effect it would have on my loans and how it would end up costing so much more in the long run. They have been unwilling to work with me on providing a fair interest rate, and my loans have cost well over double the amount of the original loan taken out 10 years ago due to the 14.8 % interest rate they charged. I have had to cash in my 401K as my only means to get out from under these loans, and still they are trying to get more money by charging interest on loans that I have paid in full, and allocating my sent checks to the loans in a manner that went strictly to their benefit, and not how I instructed the money to be allocated. They have been impossible to reach by phone, and emails are answered only with a generic reply stating someone would get back to me soon. They have been nothing short of loan sharks and I am outraged at how they took advantage of me and how they are still trying to take advantage of me by charging interest on loans I have paid. This should be illegal. It is certainly unethical and in my opinion, immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (VA mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm writing because I am veteran with a VA home loan from New American Funding and I am on my second attempt to get a loan modification to keep my home. I fell into a financial situation where I can not keep up with my mortgage payment. I contacted my lender for help and was advised to do a loan modification. During this process, I was also advised to not make any full or partial mortgage payments. We were also lead to believe that we were going to get the loan modification. After months of submitting papers and documents requested and almost XXXX XXXX XXXX in the hole, we were denied and our home was put in foreclosure. Had we been able to make full or partial mortgage payments, we would not be almost XXXX XXXX XXXX in the hole. We were very fortunate to get help from Keep Your Home California, they were able to help us reinstate our mortgage. I was also told by my lender to make a second attempt at the loan modification. Again, I have cooperated and submitted everything that has been asked of my wife & I. Here we are months later and I have not heard anything. We feel like our lender set us up for failure and had or has no intentions of helping us out at this point. We have tried to get our home refinanced through another lender, but no one will touch us because our credit scores have plummeted through this whole process. We are very unhappy with our lender, New American Funding, because of the lack of help and advice they have provided. We have XXXX kids and XXXX on the way and we do not want to lose our home. We do not want to sale our home and have to look for another one. As stated earlier, we would not qualify do to our credit scores to buy another home either. My wife and I just want our lender to help us and give us positive options so that we can stay in our home. We are not asking to cut our mortgage payment in half or to be excused from making payments, we just need some help by getting a lower mortgage payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Struggling to pay your loan

Complaint: I recently lost my job and wanted to see if I could come up with a payment plan with a lower rate interest so that I could pay it off but Speedy Cash refused to work with me. I originally borrowed $XXXX not even knowing that I was going to lose my job the next couple of weeks and needed to pay off some bills because my paycheck was a couple of days late. After I lost my job, I called to let them know what happened which one of the customer representatives told me that I now owe $XXXX and if I didn’t pay about $XXXX that the case would go to a third party company who will then take me to court. On top of that the only other income I get is SSI or otherwise known as Social Security due to having a disability and after losing my job this month I was in a really bad financial bind to where I couldn’t even afford my basic necessities which I ended up missing a payment. I did let them know that I was going to school to learn a XXXX XXXX   XXXX  and that after 3 months I would be much more financially stable but flat out refused to work with me. They also didn’t fully explain the whole terms and how much I would have to pay in total per month to get the balance to XXXX. Please help! I do not want to go to court or jail which having a XXXX makes it hard for me to handle the pressure so please do something. I am doing everything I can to find another Job so it really is not easy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XXXX XXXX, XXXX, I was only approved for only {$1000.00} limit BofA Credit Card BECAUSE BofA said in writing I still had a {$50000.00} open line of credit with the firm! 

the bank stated the personal commercial line of credit for {$50000.00} was still open at prime plus XXXX pts and i was welcome to use it. When I tried to use it, I was told it was too old to use anymore and that I had to request it be closed and to ask for a new one that meets current BofA loan guidelines. So I did. but, no one has updated my credit reports to show it was closed, never late and paid as agreed. 

I have spent the past five months haggling with BofA mortgage dept to close the commercial line of credit and update my credit report it was paid in full & never late to no avail. That is a FCRA requirement! it has been open since XXXX and never closed by BofA due to negligence! 

I also asked them to terminate my personal Guarantee as well. I received a letter XXXX XXXX, XXXX that the loan was finally closed and my guarantee was terminated and that the credit report would be updated as paid as agreed, never late and closed. THAT NEVER HAPPENED! 

BofA archives Dept, Credit Card Dept, Commercial Mortgage Dept and Executive Resolution Dept each apologized for the FIVE month mixup until today. 

In a letter XXXX XXXX, XXXX, Pa A Mortgage some Resolution Specialist threatened to sue me if I contacted the bank again. I consider this an FDCPA violation and an FCRA violation and I want CFPB to order BofA to update the XXXX major Credit Reporting agencies I paid my bill off as agreed, never late and it is now closed! 

ALL I WANT IS MY CREDIT REPORT UPDATED THAT THE LOAN WAS PAID OFF AS AGREED, NEVER LATE AND CLOSED XXXX XXXX AND THAT I AM NO LONGER LIABLE!

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 03-07-2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX I am the heir to The Estate of XXXX XXXX XXXX and I have tried to get the loan placed in my name since XXXX XXXX and continued to pay by money order for the home for XXXX and due to medical reasons moved out of the home XXXX of XXXX my sister 's children was still in the home at the time with God parents who did not make payments to midland mortgage so payments got behind. I moved back in home because midland assured me that I could take over loan if I moved back in. I have moved in on XXXX XXXX and have sent multiple times hardship affidaviate and everything that they needed to try to help with getting the home placed in my name and assume loan and modification because of my low income. Now they are putting the house in foreclosure and I do n't think that it is fair because they have not done what they said they were gon na do.

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 04/20/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit card protection / Debt protection

Complaint: I have a citi double cash credit card that I noticed fraudulent charges XX/XX/XXXX. I immediately notified citi and they cancelled the account and I was told I would receive a new card within a week. I should have received that card around XX/XX/XXXX but never did. I called for an explanation and did not receive one. Since that time the account was not accessible and the balance remained the same, with fraudulent charges and eventually I noticed it was receiving late charges. I called again XX/XX/XXXX and was told the best option would be to pay it so I did, thinking that eventually the issue would be resolved. I sent an email asking for any information and was told to call and confirm my address and that the late fees would be waived. I still have yet to receive any correspondence from citi and my money has not been refunded ( about {$600.00} dollars worth ).

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 12/17/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Managing the loan or lease

Complaint: I have had my loan with Westlake financial for 26 months, however on my credit reports they have only reviewed XXXX payments. This is effecting my ability to get a home loan and also my credit score, a home loan requires atleast 12 months of review to be considered an active line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Amsher Collection Services, Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was looking at my credit report today and noticed that I had a collection on all of my credit reports from Amsher Collection Services. This collection agency was hired by XXXX for cell phone services. I had paid XXXX their last payment my services where already disconnected. I disputed my XXXX bill several times with Consumer Financial Protection Agency because XXXX had taken money out of my account for my cell phone services that was not authorized. Also, it is documented that I was billed unfairly and the amount was not in the contract. Amsher Collection services stated that XXXX said that I still have a bill of {$360.00}. I have not had services with XXXX in almost 2 years so this amount is not accurate. I also paid the last balance that was owed before XXXX disconnected my services because they were upset that I complained to CFPB. I called Amsher Collection Agency and spoke with a representative named XXXX. He was rude to me and told me that I have two options. I could speak to the attorney or he would hang up on me. 
I would like for this collection to be taken off of my bill because I have disputed my bill with XXXX. I had paid off what was owed on the cell phone bill and I do n't owe any other amounts due to XXXX excessively billing my account unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: These were paid a long time ago and I continue to dispute to have these updated and/or removed and I never receive any information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Approximately around XX/XX/XXXX I opened a credit card with XXXX XXXX through XXXX as part of a partnership they had with their memberships. There was no issues or late payments throughout the whole time with the credit card. However, in XX/XX/XXXX being a military family we were XXXX XXXX. So we went ahead and contacted XXXX XXXX and made them aware of our location change. We were told there was no problem we could continue our normal payments while overseas. Later on in XX/XX/XXXX we were informed that they would be no longer part of the XXXX membership and they would be switching over to citi bank and that no further action was required from us. We were informed new cards would be sent out to replace our XXXX XXXX. That was not what happened at all once they switched to citi bank we on multiple occasion explained to them that we never received the credit cards. And that we needed them to continue to make payments online. However they informed us time after time that they could not email them to us XXXX. When we tried to get them sent to family members to send to us. Citi bank never sent them. Prior to these issues i had enrolled for a different citi bank credit card and received that with no problem XXXX. Once we realize we would never get the cards we still needed to make payments and continued to make attempts to call and make payments. But in order to make the payments they required our credit card account information. But when we would ask for it they would tell us that for security reasons they could not give us that information. At this point there was nothing we could do to make a payment every time we attempted they could not take it because they required account information that could not provide due to security reasons. After 6 months they charged off the credit card and the debt collectors called and have made payments through them. Overall Citibank never afforded us the opportunity to make payments. We never received any account information for our new citi bank account and we were forced to be charged off by the bank. Now this whole incident continues to affect my family because of the impact on my credit report. That had nothing to do to negligence or irresponsibility on my behalf. I honestly and truly feel like i was taken advantage of by citi bank.

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 06/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: On XXXX Santander made a collection call to my cell phone at XXXX without my consent. They also made a a call after XXXX without my consent. Please pull phone records for calls made during non collection times.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 tried three times to get the payment lates on my account removed however instead of investing each time all they do is change info on late and not remove. I have submitted two different investigations and neither are correct there for all the agency is doing is guessing and submitting to credit bureaus

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 08-11-2017 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: Public record information inaccurate

Complaint: My husband and I filed for bankruptcy in XXXX. We filed in XXXX of XXXX and it was XXXX in XXXX of XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XXXX and not in XXXX. When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XXXX and not XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Managing the loan or lease

Complaint: We had posted our complaint letter dated XX/XX/2017 to you through US first class mail on XX/XX/2017. Since we have not received so far we would like to know whether you had received our complaint, if not we will send all the documents again. At present we are attaching the complaint letter dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Chase Slate, I am POA and Legal Proxy for XXXX Aunt. We have a Special Needs Trust where the money is held by Chase Bank and linked to my personal accounts so I can pay my aunts bills. My aunt also has a Chase Slate card where her personal care attendants fraudulently charged to her card in XX/XX/XXXX. I have been try to pay her bills and get access to her Chase credit card so I can dispute the charges. All legal POAs and Trust docs were submitted to Chase Legal through XXXX XXXX at Chase Bank at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/XXXX. Today, I still have no access to the Chase Slate card. Chase linked the Special Needs Trust to my account but refuses to link the Chase Slate credit card for me to dispute the charges, get copies of statements and do other things I am required to do as her trustee. Legal docs refaxed on XX/XX/XXXX per XXXX to XXXX. Complaint submitted by Chase official to upper mgmt. again on XX/XX/XXXX when I spoke to XXXX, who forwarded me to acct supervisor, XXXX. Today, XX/XX/XXXX, I am  on the account as legal POA but have no way to access the account via computer to get copies of XX/XX/XXXX statements or dispute charges. Do n't understand why Chase will allow all of her money to be linked to my account, but not allow me access to her credit card to dispute fraudulent charges. My aunt is XXXX and only has use of XXXX XXXX. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: For the past 3 years, my mortgage company has been paying {$860.00} per year out of my escrow accounts towards what they 've been refering to as a " water tax '' or a " water/sewer assessment ''. I 've attempted more than once to get clarification on what they 're paying and every time they basically blow me off and tell me to get the information from my tax assessor. My local tax assessor 's office as well as the water company had advised me this tax does n't exist and they had no idea what my mortgage company was paying. For the past 2 years my home was being renovated and unoccupied, so I did n't have garbage service. This is my first year having garbage service and receiving a bill ... .for {$860.00}. A normal yearly garbage bill for a single family residence is {$430.00}, however the city was incorrectly billing my home as a duplex. When I received the bill and saw the amount, I realized that my mortgage company has been paying a garbage bill for the past 2 years that I should not have been getting billed for. Furthermore, they had no business paying for a utility out of my escrow account. My escrow account does not cover any of the other utilities for my home. Had they appropriately labled what they were issuing a payment for or been willing to provide me with any information on the payment, I could have dispute the charges with the city two years ago. As it stands, the city waste deparment has been overpaid {$2100.00} of my money. After speaking with the garbage department, they agreed that I should not have been billed for the past 2 years and did n't owe the money, but it 's unlikely I 'll be able to get a refund due to the amount of time that 's passed. I submitted a request via e-mail to my mortgage company almost a month ago for information on the payments they were making. I received a generic reply that they would respond within 10 days. I 've yet to receive a response. When I 've tried to speak with someone over the phone for the past 2 years, I 'm always told that the tax department ca n't be reached by phone, only fax or e-mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (ND).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: They closed ALL  XXXX   Chase Cards   ( Business & Personal ), and I dont like that. I am a loyal customer who Charges & Pays in  full, About {$30.00}  Grand per Month. N ever lat e. Always Paid in Full. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On X/XX/2015 {$1600.00} was put in collections without my notice

Company response to consumer: Closed with non-monetary relief