milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   I Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   i asked for the inquiries to be removed after they removed them last year but then added them back on again, causing my credit score to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing holds the second mortgage on my home. At the time I filed a Chapter XXXX Bankruptcy my payments were current regarding this loan. Ocwen stated that due to my current bankruptcy status they could no longer accept payments towards this loan. There was no basis either contractually - in the promissory note, or legally - as a result of the bankruptcy filing, for the beneficiary or its servicer to refuse to accept my payments. Instead it was a ploy to try to force me to sign a reaffirmation agreement on this debt, which I had no legal obligation to do so. Now they are attempting to add late fees and foreclosure fees to my loan balance, fees that were incurred as a direct result of their own unilateral action of unjustifiably refusing to accept payments. This is, to my view, an unfair and deceptive practice towards me that was likely repeated with many other consumers. I have suffered damages in the amount of lost wages, legal fees I incurred in fighting the foreclosure and doing the mediation and in the amount of late fees and foreclosure cost being tracked on the end of my loan balance. I lost my father less than a year ago and this additional stress caused by the threat of foreclosure has been unbearable!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The amount of the total amount owed had increased greatly than the amount of what I borrowed. The interest added on to the loans are outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Medical) with Monterey Financial Services LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The agency continue to report I owe XXXX for cosigning on a loan. I never cosigned for anyone and the agency continues to file false information. I have not signed anything to cosign for anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NV).
Issue: Struggling to pay mortgage

Complaint: My husband passed away and I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney submitted a complete financial application on X/XX/2017. Since that date Bayview has been sitting on my paperwork and allowing it to expire and then asking for updated paperwork again over and over. They have had a complete file now at least twice since X/17. My attorney states they are stalling purposely and evading review by asking for updated paperwork over and over. According to my attorney they are violating RESPA Regulation X ( 1024 ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: North Shore Agency has sent us two notices that we owe {$13.00} for a magazine subscription we did not request. The notices do not:1. contain information on how to proceed if we do n't think we owe the money2 and we never received a validation noticeXXXX requirements as indicated at www.ftc.gov. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Since XXXX was canceled XXXX XXXX XXXX by XXXX, GA XXXX. XXXX XXXX XXXX company ; for most XXXX XXXX, continues to charge my American Express Credit Account with American Express ( AMEX ) permission. American Express has ignored & declined my requests to stop XXXX XXXX deduction from my account. $ XXXX Monthly Deductions starting XXXX XXXX XXXX, were increased to {$10.00} Monthly deductions starting on XXXX XXXX XXXX ( without authorization ). 
AMEX Account was charged {$29.00} for XXXX Transfer Fee denied by the XXXX, AZ location, anct of FRAUD by XXXX XXXX. As of XXXX XXXX to XXXX XXXX XXXX has charged my AMEX account {$270.00} with American Express Permission, ignoring & denying my request to stop XXXX XXXX Deductions from AMEX account. XXXX XXXX Payment is coming. 
AMEX no longer allows Customer to file complaints on the AMEX website ( due numerous complaints being filed against AMEX )

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (OR).
Issue: Managing the loan or lease

Complaint: I bought a new Kia vehicle on Sat XX/XX/XXXX. In the following week I set up the info online so that Kia Motors Finance ( KMF ) would be able to automatically draft the monthly payment from my checking account when payment was due. The first payment was due XX/XX/XXXX. However, my action in setting up the automatic draft info prompted their system to actually take a payment for the loan out of my checking account immediately, without my authorization. I contacted them on Mon XX/XX/XXXX to find out how I could get that refunded. I followed the instructions and provided them proof of this the same day. I was told it would take seven business days to process. 

Followed up on XX/XX/XXXX as to status. Was told payment would be mailed on XX/XX/XXXX. 

Followed upon XX/XX/XXXX but got no update status because people who process refunds were unavailable. Operator supposedly emailed them to request status update but never heard any more from them. 

Followed up on XX/XX/XXXX. Told I could have the payment applied to my account since payment would be due XX/XX/XXXX. That would take three days to get processed. 

Followed up on XX/XX/XXXX. After three attempts to reach a supervisor ( first two of which I was hung up on ), I was told the refund check was sent Tue XX/XX/XXXX from Georgia. 

On Fri XX/XX/XXXX I received a call from XXXX with KMF. She told me the check was processed and mailed that day. I confronted her about how this information conflicted with what I was told on XX/XX/XXXX. I gave her an earful about all the lies I had been told throughout this ordeal with no resolution whatsoever. 

I need to get this resolved and have no idea of where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Mortgage (FHA mortgage) with Lending Solutions Mortgage/ LSI Mortgage (GA).
Issue: Settlement process and costs

Complaint: On Monday XX/XX/XXXX at XXXX my husband and I signed refinance papers at our home. The attorney who came to our home left without leaving any copies of any signed documents. He did not leave any way to contact him. Further, he had a strong odor of XXXX on his breath. There many things we were uncomfortable with the way things happened. On Thursday XX/XX/XXXX I emailed the lender and told him we did not have any right of rescission document and wished to have one, but regardless we advised him that we wanted to exercise our rights and not go through with the loan. Later the same day I followed up with another email to confirm to him we wanted to exercise our rights. 
On XX/XX/XXXX I received a phone call from an individual who said they represented the closing attorney and was advised they had neglected having us sign a document and they would send an attorney to me to get it signed. At that time I told them we had exercised our rights not to go through with the loan. 
By this time I had already started a loan process with a different lender. 
On XX/XX/XXXX I received notice that my automatic payment to Bank of America, my current lender, had been discontinued indicating that funds had been dispersed. Upon arriving home I found that a certified check for the difference between what we owed to Bank of America and what the lender who had been notified we did not want to proceed. Even this check is not what we had expected had we gone through with the loan.

Company response to consumer: Untimely response
Consumer complaint received 12-06-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: I transferred $ XXXX from my XXXX XXXX checking account to my Capital One 360 Savings Account. The deposit was XX/XX/2016. They will not release my money until XX/XX/2016 
I needed to use this money for purchases. This is in direct conflict to their statement on-line-quote " Deposits pulled from your external linked checking account are typically available on the second business day, but in some cases XXXX be held longer ( up to XXXX business days XXXX. Deposits on hold are unavailable for withdrawal during that time. 

This should have made my money available on Monday XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient Corporation    has made repeated phone calls to my home telephone number. I has received over 26 calls within the last seven weeks. No message is left. I have not received any mailings from the company, or any communication to explain the harassing calls.
I have never had business or any other contact with Navient. It would appear they are trying to scam and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Payoff process

Complaint: I went into chase branch to pay off credit card. I sat with personal banker, we talked to card services and received a total balance plus interest amount to pay off all total dues on account. I paid this amount in full and agreed not to terminate the account in good faith with a zero balance. The next day I was charged over {$250.00} in interest fees on the account I paid off in full plus interest the day prior. Chase refused to waive the fees and are forcing me to pay off the new Balance. I again went into the branch and talked to a supervisor and they pretty much told me I 'm shot out of luck and must pay the new Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My property is in Deed of Lieu status. I have not missed any payments because I have re modified my loan. That why it looks like I have been late. The loan number is XXXX with Citizens One.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Credit decision / Underwriting

Complaint: On XXXX/XXXX/XXXX - I called my bank ( and employer ) to check to see if I could refinance my mortgage. XXXX provided great service. She ran all the numbers and saw where I could lower my mortgage by XXXX. During the application the " ratio '' came out too high ; So we could n't continue with the application. 

After the call, this disturbed me ... I am already paying my current mortgage ( without incident ) and there is an opportunity for me to lower it by XXXX and the application system wo n't recommend it - this seems really unfair ( almost illegal ) ; I asked that they relook at the application - The decision not to move forward would seem logical to me if I were requesting adding additional credit, etc ; but if I 'm eligible for a reduction and my financial state is the same or better ( as when I originally initiated the mortgage back in XXXX ) why should I be denied this opportunity

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 07/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have tried many times over the past 2 years or more to be placed on an Income Based Payment Plan. Navient will place me in Forebearance and direct me to the internet to continue my application. Once there, I can not complete the application without my husband 's " signature '', but we can not figure out how to include that. He lives with me and we are both aware of and interested in the Income Based Payment Plan. I now owe almost double or more on my student loans than I did when I completed college.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I went through a period where I moved from my home and because I had not found a new home yet, I was living in temporary housing. So during a four month period I was living in three different  places. Each had service with XXXX XXXX. Each time I moved I transferred service and provided my new address, etc. My phone number always stayed the same as I use my cell number exclusively. Now, over a year later I am applying for a mortgage to purchase a home. My credit has always been excellent. I have never not paid a bill and strive to be timely with all payments ... never over 30 days. I pay most of my bills via direct autopay to avoid being late to protect my credit. I was shocked to see that XXXX XXXX had placed me in collections in XXXX 2016! for the period of time when I was in two months temporary housing! I have had service with XXXX for over a year now at my new address, have been told by a XXXX agent that my payment history is 100 % perfect. The record shows that a payment I made during that time period was actually credited to my former residence. XXXX is now saying that they sent me a letter in XXXX, 2016 to tell me that I was being placed in collections! I just do n't believe them. I open all of my mail and if I EVER saw something like this I would NOT ignore it!!! Even if they did send it ... this is the only communication that they sent me! I have been a XXXX customer for a very long time and I am extremely upset. This is going to cost me an extra $ XXXX {$10000.00} to purchase my home because of the way it has impacted my credit. It is unfair. This is so upsetting to me I can not sleep and it is all I think about. I need this to be removed from my credit report because I do n't think the manner that they addressed this was fair. I was NOT properly informed of a debt and was put into collection without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 've been working for a XXXX employer since XX/XX/XXXX. I recently ( XX/XX/XXXX ) had my loans transferred from XXXX to Fedloan Servicing ( Pennsylvania Higher Education Assistance Agency ) as part of signing up for the Public Service Loan Forgiveness program. 

They have been dragging their feet in explaining to me why they only counting my qualifying payments from XX/XX/XXXX forward, which means I would have to pay for an additional 3 years before my student loans are forgiven. They have made no attempt to properly explain their logic for determining this decision, nor have they sent me any kind of communication regarding my PSLF payments. 

I 've spoken with customer service reps and I 'm either given conflicting answers or no explanation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with M&T BANK CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: We have " Old '' XXXX bonds in our IRA accounts. 

There have been some disappointing distributions. 

We fear that the choice of the Wilmington Trust to represent the bondholders ( we had no input ) is another political mistake. 

Wilmington Trust appears to be interested in drawing out the liquidation process and making huge fees from those of us that have already taken a loss. 

Please investigate what is going on ( or not ) with the " Old '' XXXX liquidation and distribution process. 

We are still waiting on bondholder distributions while Wilmington & XXXX liquidate XXXX securities that should be given to the bondholders. 

Order Approving Motion to Liquidate Securities, Use Dividend Assets and Extend the Duration of the XXXX XXXXOn XXXX XXXX, 2015, Wilmington Trust Company, as Trust Administrator and Trustee, filed a motion with the Bankruptcy Court for the XXXX District of New York seeking entry of an order ( i ) authorizing the XXXX XXXX to sell certain New XXXX XXXX ( and use dividend cash received in respect of such New XXXX XXXX ) for the purposes of funding projected costs, fees and expenses of the XXXX XXXX, and ( XXXX ) extending the duration of the XXXX XXXX. The motion was approved by order of the Bankruptcy Court on XXXX XXXX, 2015. A copy of the motion and order can be found here. 

It is sad that there is no oversight by the administration to insure that bondholders get paid. 

Please see what can be done about getting payment for XXXX bondholders. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX / Home

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I filed for an income based repayment or deferment and submitted my form electronically. I have all of the email correspondence and confirmations that the form was received, accepted and approved through the entire process. 2 months later I was denied a loan because ALL of my loans with Navient were reported late on my credit bureau. It shows still, over a year later, in excess of 12 late payments - one for each loan. 

I spent almost two hours on hold to get them to reverse what they had done. I was repeatedly told by the customer rep, then a supervisor and then another supervisor that I did n't properly submit my form although it was completed online electronically and my monthly statement showed {$0.00} due. I tried to send them the confirmations and the emails but they kept dropping my calls ( hanging up on me ). One of the supervisors did n't even notate my account. When I called back after they " had system issues that dropped the call '' I was given to another supervisor who did n't see anything the first supervisor said. It was over 30 minutes later and I was on the phone with that person for over 20 minutes and they never once notated my account. 

I have disputed the late payment on each loan with the credit report companies but Navient validates the debt. I am currently going through a federal background check for employment and they have contacted me twice now regarding late payments to the federal government. Navient 's error may cost me a job that will finally allow me to be able to afford my loan payments. I am seriously at a loss on what to do, where to turn or how to get this remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Money was not available when promised

Complaint: I have XXXX small business accounts with XXXX. On XXXX of the accounts I utilize PayPal as my merchant service account. I have experienced inconsistent issuance of credit of deposits on my XXXX account. For example : I transferred money from PayPal on XX/XX/2016 and it was updated as completed on XX/XX/2016 at XXXX. Several hours later and at the time of this email, I 've yet to get credited for the deposit by XXXX. My first concern is that the deposit is being used by one or both of the institutions to skim money for themselves. My second concern, is that the money is intentionally held because I have pending auto transactions attached to the XXXX account. By with holding the deposit I will be assessed late fees for the insufficient balance when the auto transactions come due. The deposits are credited at different times and dates with no rhyme or reason. This leads me to think that XXXX is engaged in fraud. Along with the knowledge that XXXX has been assessed millions in fines for fraudulent banking practices recently by setting up bogus accounts and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Got set up with XXXX XXXX in XXXX NY at age XXXX. I am XXXX and am in crippling debt of {$28000.00} and its in default. I have no job currently and in the year of XXXX I worked at XXXX in XXXX NY and was constantly harassed by collections while at work. I had no idea about the law suit against XXXX till after the deadline of XXXX XXXX XXXX to file a claim. I was young at XXXX too young to understand how big of a life changing decisions i was getting into and XXXX made things seem like a dream for a young XXXX. I now live a poor and every day struggle. XXXX Debt, Jumping XXXX job to job, Poor credit out the gate of adulthood and nothing/no one to help me understand what is happening or what to do. I need to start over thanks to the Education Department. They XXXX my life before I knew what to do with my life.

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