milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2018 about Student loan (Private student loan) with CITIBANK, N.A. (ME).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: InXX/XX/XXXX and XX/XX/XXXX I took out two loans through Citi Bank as a student studying education. They were variable rate and the percentages were high ( one was 11.125 % ). The loans were given that to me as someone with an outstanding ~ {$30000.00} in pre-existing student loan debt, and no income. I had a creditworthy cosigner, but she, too, already shared that amount of debt with me and even more with my sister who borrowed for her loans in XX/XX/XXXX andXX/XX/XXXX. There was no reasonable way to prove that I would ever be able to afford such payments. The lending of that money was irresponsible at best, but criminal at worst. To avoid the ramifications of their sketchy student loan lending, Citi sold all of my loans to XXXX They will no longer take responsibility for the situation they allowed me to fall into.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: since XX/XX/XXXX I was working with XXXX XXXX to refinance a home that I live in. I was given this company through XXXX XXXX to help me repair my credit and get some cash out for a rainy day istarted working with a XXXX XXXX XXXX aka XXXX XXXX mls # XXXX who at first was very helpful. then she turned me over to aloan officer XXXX XXXX who mis reported and read things that are not true as reported and recorded by athree way call with Equifax and alady name XXXX who was in XXXX XXXX   and could barely speak XXXX it is now XX/XX/XXXX and no loan and wasted my time after giving them all the paper work I requsted I am XXXX man with a XXXX XXXX XXXX and XXXX and suffer from XXXX   and XXXX. i believe they contact my bank to discuss tis matter with out my consent and hurt my chances of getting the loan this was a waste of a month when i provide everthing they ask for and then some donot truste XXXX XXXX say one thing do another

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is Wells Fargo. On XX/XX/2017 their system called my cell phone and left a voice mail lasting 1 minute and 22 seconds without saying a word. I feel this should be considered a form of harassment.

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 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is incorrect personal information on my credit report that needs to be deleted. 

Incorrect Names : XXXX XXXX Incorrect Address : XXXX XXXX NJ XXXX XXXX XXXX NJ XXXX Incorrect SSN : XXXX Item that should be deleted from credit report : XXXX - Account Number : XXXX ( I uploaded a letter stating it would be removed from my credit report )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Debt collection (I do not know) with Amsher Collection Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For about 6 months now, I am receiving almost daily calls from " Amsher ''. I was never able to answer the phone, so they almost always leave a robo recorded voice mail on my cell phone. They even called me on XXXX Sunday, XXXX XXXX, 2016 at XXXX XXXX. They claim that they are a debt collector. I have an excellent credit rating, have always paid my bills on time. I have never had any debt that would need to be collected, and I have never dealt with any debt collector. My cell phone voice mail system always says that their call came from XXXX. So, I am blocking this number on my XXXX, and via the XXXX app. However, the calls come through anyway, which tells me that they are apparently calling from another, undisclosed phone number. This looks very much like a debt scam to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I filed a claim against american express because they never returned the funds that were in my account when my account was close, and I continue to file claims but i do not address my issues. My next step will be a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my cell number and my home number on the same day. They call both each day. They call and dont say who they are and ask for personal information. 

I have spoken to them and explained that this was an insurance error and that it would be paid in a week and asked them to stop calling for one week to see if it gets resolved. I also told them if it is not resolved in one week that I would pay it. 

I have asked them to stop calling and the above info XXXX separate times. 

They call from multiple unidentified numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was acquired by Carrington Mortgage llc. Since my " fixed '' payment has changed regularly. They do not send any communication and their numbers do not add up increasing the monthly payments drastically and they claim its for a year then they increase the monthly higher the next year. It seems like they are laundering money that does n't belong to them. They refuse to give a break down of their corrupt collection of escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: High payments each month ca n't repay my loan

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (TX).
Issue: Trouble during payment process

Complaint: I want to add documents that were not previously submitted to complaint number XXXX : 1. HUD statement at time of purchase, 2. Appraisal value ( 2016 ) by XXXX XXXX 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 monetary relief
Consumer complaint received 07/31/2015 about Credit card () with AMERICAN EXPRESS COMPANY (RI).
Issue: Closing/Cancelling account

Complaint: I was a holder of Amex Premier Rewards card account since XXXX 2015, and in the past 4 months I had over {$6000.00} transactions in total ; I paid all of my payment well ahead of due date and never violated the terms by Amex. Everything was good until one day around XX/XX/XXXX, Amex called me and freezes my account requesting bank notary to prove my identity asap ; I offered to provide documents like passport scans, etc that could achieve the same goal as I have no idea what 's the notary and how to get it, but Amex insisted on it. I then went to all local banks but they refused to provide it for me and the branch managers also feel confused about Amex 's request. I did re-login my account to make sure the account was good on last Saturday, however when I was just about to call Amex to see if there is any other option they closed my account and voided all my XXXX rewards points ( worth {$320.00} at least ) ; there is also ongoing unresolved transaction dispute on my account while it 's cancelled. I was never notified by email or call, which I also later confirmed with Amex agents on phone. I instantly called back that day and the XXXX agent ( # XXXX she left me over phone ) also found it confusing, and guaranteed me that I will have my rewards point safe ( she said she can still see them on my account ) while she requests further investigations. She also said the back end says I requested to cancel my account but I really did n't ; I said phone record and website login history are proofs. Two days passed I still did n't hear back from Amex, so I decided to call back and the XXXX agents answered my phone ( I called XXXX ) are rude and impatient this time ; XXXX of them insisted that I requested to cancel it from what they can see, and once I requested them to provide evidence they refused. XXXX kept blocking me, and the other put me on hold and XXXX later hang on my call. All they repeated are my points are voided and they can do nothing to re-instate my account. Then I called the executive service line, this time the agent is patient at beginning, then after she checked my account for XXXX minutes, she said Amex did cancel my account for violating terms, but once I challenge it and ask for exact reasons, she refused to provide it and started to blocking me like previous agents ; she insisted there is no possibility to reinstate either the card or my reward points despite she ca n't provide any reason. I am really disappointed with Amex and right now the process could also hurt my credit history ; since Amex refused to solve my case, I want a solution from here to protect my rights to reinstate my reward points and get compensated for the time invested to solve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX, I made a purchase at XXXX online. I had received an email from my paypal smart connect credit account that if I made a purchase between XXXX and XXXX, I would receive a {$10.00} credit. So I got a total of {$72.00} purchase and attempted to check out as a guest through paypal. My paypal credit card XXXX Smart connect XXXX did n't show up for finalizing the transaction. I went back and logged into my XXXX account and paypal came up so I checked out, thinking it was my paypal credit account XXXX smart connect XXXX. I do n't remember anything that stuck in my mind to let me know I was signing up for a new credit line. I have had credit issues in the past, so the credit cards I have now are the only ones I want. I never sign up for new cards. I want to purchase a new house in the future and do n't want to compromise my credit score. I emailed back and forth with paypal after I received the paper credit statement of the purchase and which showed no balance. I know I have a balance on my smart connect, so I could n't figure this statement out. I also do n't receive paper credit card statements. Emailing did n't help, just was more confusing as they told me I could only have XXXX credit card linked to paypal and that I could like the paypal credit after disconnecting smart connect. What? I called paypal to see if I could move the paypal credit balance to my paypal smart connect. the person I spoke to, XXXX, could n't even find this purchase anywhere XXXX and I think she said that paypal could n't transfer the balance anyway between the XXXX credit lines XXXX, so she forwarded me to XXXX at Paypal credit. He said I could pay off the balance and close the paypal credit account. I asked if this affects my credit score and he said that they did do a credit check before they issued the paypal credit. I was so upset after speaking with him and venting to him and asking if this is what the paypal scam on the news is about. Then I hung up. Can I be added to the lawsuit that cfpb has filed against paypal?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I am please begin for help after these banks have vacillated so much that I have incurred tons of fees on top of my mortgage. Not only have I incurred extra expense but I have provided various times loan modification package to no success. I need to maintain my home for I have been a single parent for many years. My XXXX daughters and my grandchildren live with me. They contribute towards the home expenses. 

This home has giving me problems from the moment I purchased my home in XXXX.. I was given an adjustable mortgage with no explanation. The only explanation I received was that If I did not close the deal I will lose my down payment. I had absolutely no knowledge as to how this program worked. As a single parent all I wanted was a safe home for my girls for XXXX of them was XXXX coming from school. However, it was quite strange to me that my attorney at the time was discussing how unfair this program was and how I could not cancel the closing at the time for I had would lost my down payment. I realized after investigating that this origination was and is what they call PREDATORY LENDING. I do understand that predatory lending is a practice that imposes unfair or abusive loans terms for a borrower. It is also a practice that convinces borrower to accept unfair terms trough deceptive, unscrupulous actions. 
Please understand that I had originally defaulted do to loss of my employment. This was do to circumstances beyond my control.. I am now employed full time and my XXXX daughters also are contributing to the home. I just provided a week in a half ago another package. The sale day for my home is XXXX XXXX. Please I need to keep my home. .I have hired an attorney and I understand that predatory lending is a serious matter. 
Your quick response will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has not legally complied, to complete a FHA short sale, on property located at XXXX XXXX XXXX XXXX, XXXX, Massachusetts XXXX. XXXX, my XXXX customer service representative, who has helped me for the last year, is suddenly unavailable, she has essentially disappeared, just like the previous XXXX. Neither the short sale specialist, XXXX XXXX, XXXX XXXX can find XXXX even though we had spoken about every week or XXXX for the last year. 
The buyer for the short sale has increased his offer to be compliant with FHA requests and Or conditions, the judgment on the property has been removed. XXXX XXXX XXXX and XXXX XXXX, have worked tirelessly, to move forward with the sale. 
Most recently, Bank of America, sent me a document, which states, '' My home loan will be services by XXXX XXXX. This letter was received days ago, though dated on XXXX XXXX. 
Further, I maintain, the conditions have been met, per request of the Loan serviced and or FHA, I, by and through my attorney and realtor, have been professional, and followed through on each request, to allow this short sale. 
I am XXXX, with XXXX XXXX, am elderly, and the actions over of present and the past XXXX years of Bank of America have caused me harm. 
I respectfully ask for your help, and any and all sanctions, be brought against Bank of America XXXX 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 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for and was granted the Barclay XXXX XXXX XXXX in XXXX of 2016. At that time, they offered to waive the annual fee of {$990.00} and provide 0 % interest under SCRA benefits for XXXX XXXX military members. They have since rescinded that offer, and are now charging the annual fee of {$990.00} if I continue to retain the 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 04/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan was successfully rehabbed and I have made  2  payments to the new owner of the loan,   XXXX   XXXX   XXXX  . As part of the rehab, I was told that the  XXXX  credit bureaus would be advised of my completion of the program, and the late or missed payments that took place during the rehab would be deleted from my credit report. Section  XXXX  states ( after loan rehab ), that the prior holder of the loan must : " request that any consumer reporting agency to which the default was reported remove the record of default from the borrower 's credit history '', and " the prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency, request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrowr 's credit history. To date, all  XXXX  credit bureaus still have negative information about my Navient account. It is aggravating that I have to follow up on this at all but I do n't feel that it should rest upon my shoulders to contact each bureau and dispute the status. Therefore, I am asking Navient to stand by the original terms of the rehab agreement and update all  XXXX  credit bureaus. I also respectfully ask that because the late payments before the rehab agreement corresponded with my diagnosis and treatment for  XXXX   XXXX   XXXX   XXXX , that those late payments also be deleted from my history. I understand it 's not required, but I am requesting that an exception be made given the circumstances. Than you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: CONSUMER PROTECTION COMPLAINT : XX/XX/XXXX This is the follow-up of our complaint of XX/XX/XXXX ; the mortgage company did sent letters in XX/XX/XXXX regarding the {$16000.00} escrow payment and a balloon payment of {$240000.00}. In that letter from Mortgage Company it only repeated what I already knew. However, this issue has not been resolved the mortgage company is ignoring my request to explain why??. This is not a newly financed mortgage so I do not understand when did the terms of my mortgage changed. Why do we owe {$16000.00} escrow? Why do we now have a {$240000.00} balloon payment? Why is this happening when California has a program save my home affordable housing program or HARP? Please, we just want answers ; therefore, can someone please, please help us keep our home.??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Payday loan) with Enova International, Inc. (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a loan threw XXXX. When it was time i made payments on time as the agreement. Cashnet then attempted to make unauthorized debits from my account. I was notified by my bank, who closed the account and began an investigation, While in the process CASHnet again made an attempt to debit funds. This made the account go into a negative balance as my available funds had already been moved to a different account. I am now getting harassing calls from a third party debt collector threatening to sue me and garnish my wages. They called my work phone number on numerous occasions. I spoke to a supervisor by the name of XXXX XXXX who was the person threatening me. I tried to explain to her the circumstances involving the account but she was uninterested. She was very rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Bank account or service (Checking account) with KEYCORP (ID).
Issue: Problems caused by my funds being low

Complaint: Key Bank has used poor business practices and charged me an excessive amount of money for overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (MO).
Issue: Closing on a mortgage

Complaint: Duplex  XX/XX/XXXX   {$10000.00} purchase price   XX/XX/XXXX  per manent financing -payoff of {$48000.00} rehab loan {$6300.00} paid {$47000.00} loan amount - {$360.00} payments - {$370.00} annual taxes - {$590.00} annual insurance {$69000.00} payments  XX/XX/XXXX  streamline refinance {$43000.00} balance - {$290.00} payments for 84 months.   - {$270.00} remaining {$15000.00} payments  XX/XX/XXXX  refinance - XXXX  payoff - {$9300.00} plus {$3900.00}  'cash out '  to commerce - {$590.00} to   XXXX   XXXX   {$54000.00} payments {$1000.00} in escrow account {$1000.00} unapplied funds {$18.00} fee returned {$15.00} late fee {$410.00} payment returned XX/XX/XXXX  {$540.00} {$560.00} {$530.00} checks returned in  XXXX  No payment in XX/XX/XXXX   XXXX  foreclosure notice  ( news clip ping from a lawyer ).  <P/> Dozens of calls and faxes to cancel  XXXX  foreclosure. Modification offer increased {$360.00} payment to nearly $  XXXX .  <P/> Did not sign. Request for terms reducing the payment. No response as of  XXXX  mailed {$2300.00} payments - All returned. ( {$500.00} application fee sent   XXXX   XXXX   never collected ) foreclosed 2 days after denial ( ( by   XXXX   XXXX   ? ).   XXXX  was n't late yet. Reinstatement quite -less than  24 hours prior to sale- showed ONE late fee.

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