milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (RI).
Issue: Struggling to pay mortgage

Complaint: I have been attempting to resolve these concerns with Fay Servicing , LLC since transfer of my mortgage XX/XX/XXXX, while in the midst of a modification with the prior Servicer. The transfer of the loan changed the terms from XXXX XXXX  ( since the loan inception in XX/XX/XXXX ) to non-XXXX XXXX, limiting my consumer protections and thus substantially altering the terms of my loan. Despite the completion of the TPPs, Fay immediately began making demands for escalating amounts of monthly payments ; significantly altered the terms of the modification ( while telling us for a year that Fay was obligated to honor the terms of the prior Servicer ) ; lied to XXXX escalation dept stating the mod was HAMP Tier 1 ; lied to CFPB stating the terms of Fay 's mod was more favorable than that of the prior Servicer ; Fay backdated documents and NEVER executed the contracts or returned fully executed documents to me ; refused to provide an accounting of alleged principal error ( and now denying principal error despite the legal dept stating this in response to CFPB ) ; application of tens of thousands of dollars of " misc fees '' including several $ 14K fees ; misappropriation of payments ; demands for arbitrary payments ( altering the monthly demand from {$1300.00} to {$2000.00}, and changing the principal from approx $ 316K to more than $ $ 400K ) ; failure to apply full payments to alleged " suspense funds '' ; dual tracking the loan while payments were current and informing me to " just ignore '' these dunning legal notices ; refusing to honor a year of promises that all payments, credits, and fees would be correctly applied after Fay completed its acct assessment ; refusing to put any information in writing ( including specifically refusing to answer questions we were instructed to put in writing ) - a behavior that is noted on the CFPB site, the RI Atty Genl 's website, and those of other consumer advocacy agencies to be of high concern for fraud. In addition Fay 's deceptive and duplicitous financial dealings, their arbitrary and capricious misapplication of funds and fees, and wreaking havoc with my mortgage and stressors during a time of medical crises, Fay has also utilized harassment and bullying tactics to dual track my account, and to discriminate against us for XXXX and the use of XXXX funds. 
Despite the CFPB 's Consent Order against Fay in XX/XX/XXXX, Fay has ceaselessly continued its abusive and coercive tactics. Fay continues to mislead the consumer, dual track my acct, apply exorbitant fees without explanation, extort monies I can not afford, continually threaten default and foreclosure, discriminate against us based on XXXX and the use of XXXX funds, and REFUSED a $ XXXX Hardest Hit Funds award that I was granted ( after initially accepting ) and that would have assisted significantly in making payments affordable and thus avoiding foreclosure. 
-- PLEASE SEE ATTACHED MORE EXTENSIVE EXPLANATION

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (IA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/XXXX, I called Navient Solutions and spoke with XXXX ( Service ID XXXX ). In the phone conversation, I requested information about my loans Navient Solutions holds. Specifically, I requested the Group number, Loan ID number, and balance. XXXX then tried to convince me that the Loan ID and Group numbers were the same. Anyone with a first grade level of education can tell you that this is not true. Comparing the data on my XX/XX/XXXX, statement, Loans 1-06 and 1-07 are in Group 5. As a first grader can tell you, the number 5 is not the same as the numbers 1-06 and 1-07. However, I thought there was 3 loans that Navient had under their control. So the question still remains. What is the group number, loan ID number and balance? 
I attempted to retrieve this information by writing Navient a letter on XX/XX/XXXX. Navient responded on XX/XX/XXXX, refusing to answer the question by mail. 
With no credible way to obtain information about my loans by working with Navient directly, Im left with no other option but to seek assistance from the CFPB. Per a letter to the Honorable Senator XXXX XXXX and I, to make a payment to a specific loan, you must concatenate the Account number, Group Number, and Loan ID. Please send this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: For the last week they have called me five times a day every other day. 
Starting on XXXX16 and continuing up to today. 

I dont answer because its been getting overwhelming with the amount of calls and they never leave a message.

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 03-04-2016 about Credit reporting () with Credit Karma, Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have an account set up with CreditKarma, and have for about 1 year. On XXXX XXXX 2016 at XXXX XXXX I received an email from XXXX Karma to my gmail that there had been a request to reroute my account to a new email address. It instructed me to respond if I had not made this request. I responded immediately that I had not. I received an automated reply stating that I would hear a response in 1-3 days. I attempted to log in to my account, but my password had been altered. When I attempted to retrieve the password by having the reset sent to my actual email address, the emails did not arrive. When I finally was able to access a part of their site to let me verify additional information for the password, the link was broken and would not submit. According to their forums, this is a common problem that many people have encountered. Later that day, I received a call from XXXX XXXX XXXX credit card online services asking if I had made an attempt to open a card. I had not, and told them that it was fraudulent. I then contacted the bureaus, froze my credit, and again attempted to contact CreditKarma. It was n't until nearly two days later that they sent me a basic email asking if XXXX was my email. It was not, it was the fraudulent email. They offered to freeze my account, however, offered no explanation as to how someone was able to gain access to my account, and reroute my emails, change my password, and collect my info. I was locked out of my own account, and they have no option to contact someone via phone or instant chat. The phone number listed for their site is for a line that has a recording. Their service is very slow, and even though it is a " free '' service, they are sitting on a lot of people 's very valuable personal information and owe consumers the ability to reach someone in an emergency situation. To be made aware of an attempt to change my email information, and be powerless to stop it makes no sense. I received the notification and was told to respond if I had not requested this, but in the 2 days it took them to respond, they already granted the criminal access and the ability to change my info. If I had been able to call a number or have an instant chat, I could verify my info. Their security is very lacking for a site with as much personal information as they gather. It is concerning that they offer no way to escalate or triage issues that are very urgent, and can lock the user from their own information while allowing thieves to collect it and use at their will. They need some mechanism to correct this, and their very slow emails are not adequate to protect the amount of information that they have in their database.

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 09/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage got sold from XXXX to Nationstar. I did not receive a notice from Nationstar regarding the change, though I did receive a notice from XXXX. I have yet to receive my Nationstar loan number. I am actually in the process of selling my property, and need payoff information. I have tried repeatedly over the past week to get payoff information from Nationstar, and they have been unable to get this to me - saying that it is impossible to do so until the transfer is complete. This seems illegal - to prevent me from paying off my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account paid and closed but remains on my credit report. Even after I requested the items to be removed, the items remain and are damaging to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.

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 02/21/2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I demanded verification/validation of account status, amount, original creditor and copy of the contract. I demanded removal of unauthorized inquiries on my report. they refuse to validate/verify accounts and inquiries and they refuse to delete incorrect information and are causing great harm to my ability to obtain credit.

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 01/17/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage

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 04-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I think this concerns both federal and private loans. Regardless, my servicer is navient. They make it EXTREMELY difficult to make any additional principal only payments. All I wanted to do was make additional principal only payments ... to be done automatically through my bank. Every month, my bank would send them a clearly labeled principal only check to be applied to loan " X ''. An additional automatic payment by check to my particular loan. They will not accept it unless I WRITE A LETTER EVERY TIME I send in a check. WRITE A LETTER??? Seriously??? This is unheard of. This is ridiculous. I cant even write ONE simplified letter stating " ALL additional payments beyond my monthly payment should go to principal only for loan X ''. They will not accept it. You have to ATTACH A LETTER TO EACH CHECK EVERY TIME! You do n't even have to do this for mortgage loans. I have a loan for XXXX and it is absolutely EASY to make additional principal only payments. The bottom line is ... Navient does NOT want me to pay off my loan early! They make it Extremely difficult knowing that typing a letter for each check is very time consuming and simply will not get done.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Santanders response to the previous complaint is blatantly false.
Santander modified my loan on  XX/XX/XXXX please see attached documents.
On  XX/XX/XXXX  my car was repossessed. The repossession fees were {$460.00}, the car was picked up on XX/XX/XXXX . On  XX/XX/XXXX  Santander confirmed the new payment and payment date and receipt of the modification ( see letter ) The letter regarding the sale of the vehicle was never received by me.          
Santander not only owes me the repossession fees of {$460.00}, they also owe me an additional {$1800.00} for payment overrage. I had an atty. look over my modification documents and it was suggested that i was overcharged in the {$1800.00}.
 XXXX 
This is calculated at {$66.00} per month starting  XX/XX/XXXX  to  XX/XX/XXXX .
my payment at the  10.14  apr should have been {$200.00} instead Santander charged me {$270.00}.     
They are a rip off company that overcharges their customers. The y should be fined for there Fraudulent actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call and message ( using my na me ) from  Student Assistance Corporation on my cellular phone which is on the national do not call registry from someone who stated in the message that they were attempting to reach someone with the same last name as me about a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Payday loan) with WORLD ACCEPTANCE CORPORATION (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: CONTINUES TO REPORT AS A NEGATIVE ACCOUNT ALSO WITH MAJOR DELINQUENCY DATE OF XXXX WHEN I FILED BANKRUPTCY. THIS SHOULD NOT BE ON REPORT DUE TO CHARGE OFF OF BANKRUPTCY AND CAUSING MY SCORE TO BE LOWER BECAUSE IT LOOKS LIKE AN ACTIVE ACCOUNT

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 SUNTRUST BANKS, INC. (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XXXX 2016 I was offered a bank credit card by a bank representative at my local bank.! He explained to me that the credit card was in the amount of {$3500.00} with a 15 month interest free plan. I used the card initially to pay off a few small accounts and also to make a few personal purchases. I was later reprimanded by someone from the credit company and told that, '' I had no right to make purchases on the card ( my card ). I was further asked who authorized me to do so ''. From that point I was charged 'Interest ' on my credit card and have been paying even to this date! Although, I do not feel that I have been treated fairly, I continue to pay my bill. Please assist me with a workable and fair solution to my delemma. Thank you for your timely consideration.

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 11/23/2016 about Mortgage (Conventional fixed mortgage) with CORNERSTONE MORTGAGE COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested through my current lender that I would like the PMI removed from my current loan and have had difficulties in getting this resolved. I finally received a letter from them and it required me to pay a {$470.00} fee for an appraisal. I paid this fee and have waited and just received an email stating it will now cost {$1400.00} for an appraisal to see if the value on my property has increased to remove the PMI. This is not acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ref No. XXXX. Creditor City of XXXX, Acct No. XXXX, Principal {$690.00}. 

In XXXX 2013, I stopped by the local fire station to have my XXXX XXXX checked. After the test, I was instructed that they needed to take me immediately to the closest emergency room due to my XXXX XXXX XXXX. I responded that I lived down the street and I could either get my wife to drive me or that I could drive myself. The staff recommended that they take me by ambulance immediately for safety purposes. They told me that it was covered by insurance and that the normal costs were {$50.00} to {$75.00} out of pocket. Later, I received a bill in the mail indicating that I owe the City of XXXX {$690.00} for the ambulance ride because my insurance company would not pay for the ride. I immediately contacted the credit collector and he told me to file a complaint and that after they reviewed it, the City of XXXX could wright off the expense since the Fire Department misrepresented the {$690.00} out of pocket cost.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Around XX/XX/XXXXI was contacted by XXXX XXXX XXXX with a program to consolidate my student loans. I signed up, paid an upfront fee and then {$50.00} per month as the program stated after so many years of paying my loan would have {$0.00} balance. In XXXX, I learned that this company did not consolidate my loans and did not make monthly payments on them. They changed my contact information to an address and phone number in California, which I was unaware of. My credit report shows that American Education Services has or had my federal student loans but when I inquire they said that my account number does not exist. Fedloan servicing, now handles AES loans and I contacted them with what had happened. They said that I would just need to log into my account and see if I would qualify for one of their programs. Every time I attempt to log into the account it automatically generates a forebearance request. CFBP filed a law suite against Student Loan Servicing in regards to this and that consumers affected would be contacted. I was never contacted and I am not sure who has my federal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: The process to do anything about student loans is ridiculous. I 'm trying to consolidate my loans and I have had to deal with at least XXXX separate agencies to accomplish this. Student assistance Corp, Navient, and now studentloans.gov. Stop making everything so complicated. When I called Navient for details on all of the information about my loans the call center rep was n't really sure about all of the loans that I had with them. She also stated that she did n't have access to all of my accounts. That leaves me with zero confidence that anything that is being serviced by them is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with Collections Acquisition Company, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Was never notified of the debt.

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