milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2016 about Mortgage (Other mortgage) with Neighborhood Assistance Corporation of America ("NACA") (IL).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2016, we accepted a contract on our house from a buyer who is a client of Neighborhood Assistance Corporation of America ( NACA ), with a closing date of XXXX XXXX, 2016. 

We were provided a nice letter from NACA ( attached ) stating that the buyer had been working with NACA, " and are qualified for the NACA Mortgage to purchase ... '' our property. 
After repeated requests for an update, on XXXX XXXX, NACA Mortgage Consultant XXXX XXXX notified our attorney and our realtor : " Lender is conducting their final review. Will provide an update as soon as it is available. '' Our attorney then made repeated attempts to get an update from XXXX XXXX, but there was no reply. 
On XXXX XXXX 2016, the day before our movers were scheduled to pack up our home, we were notified that : " The lender has not issued a clear to close on this file. The file has exceeded the typical review time and has been escalated to get a response as soon as possible. As soon as I have an update I will communicate progress. We will not be able to close on the XXXX at this point. So we will need an extension. '' A two day extension was requested and granted. 

On XXXX XXXX, 2016 the our movers completed loading and our family and possessions headed from XXXX to XXXX. 

On XXXX XXXX, 2016, our attorney then made repeated attempts to get an update from XXXX XXXX and schedule the closing, but there was no reply. 

On XXXX XXXX, 2016 we were notified : that they buyer 's attorney requested that the mortgage contingency and closing date be extended to XXXX XXXX, 2016. As we were still in our contingency window for the home we had under contract in XXXX, we agreed to the extension. 

On XXXX XXXX, 2016 our attorney started making attempts to contact NACA to get an update. NACA made no effort to respond. 

On XXXX XXXX, 2016 we were notified : that they buyer 's attorney requested that the mortgage contingency and closing date be extended to XXXX XXXX, 2016. Seeing as we had no recourse, except for canceling the sale, we agreed to the extension. We were able to secure an extension for the house we have under contract in XXXX. 

Monday, XXXX XXXX, 2016, once again there has been no communication from NACA, no closing was schedule and we are now a day or two away from having to terminate the contact on the home in XXXX. Additionally we are facing significant unanticipated expenses as a result of NACA lack of communication and follow through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Federal student loan debt) with National Recoveries, Inc. (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Good Day, On XXXX XXXX I received a letter stating it was from the US Department of Education and that they were attempting to collect on a defaulted student loan of mine which I owed {$3200.00} ( Approximately ) in principal ( I have no idea how high this figure actually is as I stopped receiving notices at least 5 years ago ). In these documents was a notice for hearing and some paperwork to fill out for financial earnings. I filed a request for a hearing with the Department of Education as well as signed a notice to voluntarily pay {$50.00} a month towards this debt. On Tuesday, XXXX XXXX I received a letter from a collection agency called National Recoveries based out of XXXX XXXX Minnesota, asking me to submit documents for my hearing which is not at the Education Department but with National Recoveries. If I knew that it was not the Department of Education that was contacting me but a collection agency I would never have asked for a hearing or signed the voluntary garnishment form. I feel they misrepresented themselves as a government agency and not a collection agency and that this was an effort to defraud me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or around XX/XX/2017 a Request for FULL DISCLOSURE was sent to CEO, XXXX XXXX XXXX of Santander Consumer USA , Inc. served with this Notice and Demand to Admit or Deny the statements in the enclosed " REQUEST FOR ADMISSIONS '' document and return it within twenty ( 20 ) days with a verified signature of an authorized agent of the Lender. This Notice and Demand is the Consumers good faith attempt to settle this matter and clear up any confusion about the terms and execution of the alleged Loan agreement and the disposition of the outstanding deposit with Santander Consumer USA , Inc. of the value of the Consumers promissory note associated with this alleged Loan. Santander Consumer USA , Inc. failure to validate the purported debt by returning the enclosed " REQUEST FOR ADMISSIONS '' document with a authorized and verified signature to the Consumer within twenty ( 20 ) days of receipt of said Notice and Demand will be deemed a dishonor of the Notice and Demand, and will be presumed by Santander Consumer USA , Inc. acquiescence, that Santander Consumer USA , Inc. took the Consumers promissory note and, without authorization, stamped it, sold it, and then used the proceeds of that sale as the funds for the alleged Loan, causing the Consumer to be damaged in a transaction making themselves incompetent witnesses and by taking legal action did dispossess consumer goods and did misuse personal, family or household goods for purposes not intended - without ever obtaining competent judicial permission or prior direct consent- and, without just compensation. ( 1692c ( a ), 1692 ( b ), 1692c ( C ) ( 1 ) ( 2 ) ( 3 ),  FDCPA ). The Consumer is prepared to exhaust all applicable provisions of the FDCPA and the FCRA to obtain " FULL DISCLOSURE '' of the facts material to the terms and execution of this alleged Loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: RevenueGroup collection agency sent a collection notice to me for XXXX XXXX XXXX WITHOUT ever sending me a statement or paper bill via mail in the first place as I had previously requested. After inquirery with RevenueGroup, the representative insisted I pay immediately over the phone to avoid legal action and damage to my credit. He refused to investigate the issue. I have no idea what the exact charge is for. His tone was very rude and condesending. No contact whatsoever had been made to me regarding this charge by The XXXX XXXX XXXX group prior to the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted on multiple occasions I have a settlement for XXXX with XXXX, XXXX  and XXXX. Transworld is trying to collect on the same debt but for XXXX they are reporting on me yet they do not have my account in their office. It 's with XXXX XXXX and XXXX when ever I call they say it 's not their problem call XXXX XXXX and XXXX and that their not reporting on me which they defiantly are.Transworld refuses to speak to me or solve the problem I have done multiple disputes and gotten no where.they are reporting to XXXX and refuse to fix it and I am tired of getting the run around by it 's not my fault talk to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with Firstsource Advantage, LLC (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After being advised of a large debt on my credit report on XX/XX/XXXX, I contacted XXXX on XX/XX/XXXX, who very vaguely told me that my account was " Charged-Off '' and I needed to contact FirstSource ( the collection agency ) which XXXX supplied the phone number to me. I asked XXXX to send me a copy of my back statements so I could find out what happened & when. As of this date ( XX/XX/XXXX ), I still have never received anything from XXXX XXXX. I then contacted FirstSource on XX/XX/XXXX and asked them about my account. I was told they just received the info. They looked into it and contacted me back the next day ( XX/XX/XXXX ). Since then I was getting a call a day from FirstSource, occasionally 2 or 3 calls a day, until I asked them to not call me every day about it & I was looking into the matter. On XX/XX/XXXX, I received an envelope from FirstSource postmarked XX/XX/XXXX with copies of my statements for the past year, and a letter from them dated XX/XX/XXXX. 

Going back through all my previous statements, I found that this automatic withdraw payment problem with XXXX XXXX has been going on since XX/XX/XXXX. I do not look at statements every month and knowing my other XXXX XXXX accounts are on an automatic withdraw payment plan with no issues, I did not know there was a problem. To this day, I still have not found or received any info from XXXX XXXX advising there was a problem with this account. Every month, XXXX has been adding late fees, returned payment fees, interest fees, and changing the APR rate ( there may be more that I am unaware of ). The amounts keep changing, some months are higher & others are lower. 

When I originally spoke with the lady at FirstSource, she agreed with me, seeing my information coincided with what she was seeing. 

Another issue compounding to this problem was my original XXXX account number had been compromised. XXXX issued a new card with a new number. 

I received 2 from calls FirstSource last week, 2 more calls on XX/XX/XXXX and another one last night.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Federal student loan debt) with Texas Guaranteed (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my XXXX student loans. I asked them to stop emailing me. They said they would not. The email address being : XXXXXXXXXXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a collection company that is illegally and erroneously reporting a debt due, I already requested an investigation thru all XXXX credit bureaus and I have been unsuccessful. The company still says that the debt is due when there was never one. The collection company is showing a debt due as a rental/leasing category from an original creditor when I never even rented from them. Need this item removed from my credit inmediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have been arguing with  XXXX   XXXX   XXXX  over disputed late payments for   XXXX   months. They claim they have no record of our conversations and wo n't remove the lates from my credit report.     Since our last conversation, they have made changes to previous leases reported to Equifax in an attempt to further ruin my reputation. They are targeting me because I reported them.     They are now claiming that a lease I had in  XXXX  ( acct #  XXXX  ) was included in a Bankruptcy Chapter  XXXX  and became delinquent in   XXXX   XXXX   None is this is true. There was never a delinquency, and there was never a Chapter  XXXX  B/K.     I do n't appreciate  XXXX   XXXX  bullying me by trying to claim that a lease that ended without incident almost   XXXX   years ago was delinquent or subject to a phony bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with Statebridge Company (SC).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I contacted Statebridge Company customer service to request the force-placed insurance they incorrectly put on my mortgage be removed and a refund made for all premiums paid for the force-placed insurance. Statebridge Company did not honor my request, and during the course of making multiple follow up calls to resolve the matter, I was given the runaround as to customer service claiming they did not receive requested documents, asking for the same documents multiple times, continually adding requirements to process my request, making claims they knew nothing about previous calls, etc. On XX/XX/XXXX I sent a letter to Statebridge Company via certified mail demanding their compliance with CFPB 1024.37 paragraphs 37 ( g ) ( 1 ) and 37 ( g ) ( 2 ) to have the insurance canceled and a refund made to me within 15 days. Statebridge Company received this letter on XX/XX/XXXX and subsequently canceled the force-placed insurance as indicated in a letter I received from them dated XX/XX/XXXX. However as of XX/XX/XXXX, Statebridge Company has not issued a refund and multiple follow up calls had resulted in getting more of the same runaround -- receiving conflicting information, being passed from department to department, adding requirements to process the refund, etc. Statebridge Company is not in compliance with CFPB 1024.37 paragraphs 37 ( g ) ( 1 ) and 37 ( g ) ( 2 )  and must act immediately to process my refund to comply with CFPB obligations. If their compliance requires CFPB intervention, any assistance would be greatly appreciated. Statebridge Company is located in XXXX, Colo. Their NMLS ID no. is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been on XXXX since X/X/2017. When I called Navient to let them know, they extended my forbearance, which I recently learned was part of their deceptive practices. I believe they should have encouraged me to get an income based repayment plan or some other better option for my situation. My student loans are now {$260000.00} I dropped out of law school in my 2nd year and dont even have my degree. I cant even keep up with the interest!

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I reported to Great Lakes Borrowers Services, multiple times that I fraudulently received my federal financial aid, which is a felony. I documented the issues, wrote & called, called back, emailed, asked the information be added to my file, requested that they act on the information. They have done nothing to date to assist me for almost two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My father and aunt had a joint account with Santander Bank that funded a safety deposit box. Both of the people have since passed and I returned the safety deposit box keys.i have also written Santander multiple letters stating the box was closed, the keys were returned and both of the people on the account are dead. not only are they still trying to collect, but they are no billing me for XX/XX/XXXX until XX/XX/XXXX!!! They will NOT STOP trying to bill me for something I rectified and communicated to them YEARS AGO! they are trying to assess a late fee on me too. if they stopped ignoring my letters this would have been done away with two ( 2 ) years ago when I closed the account! I feel harrassed since they ignore my letters and are now trying to charge me with late fees and now billing me for another year when they XXXX well know BOTH ACCOUNT HOLDERS ARE XXXX! XXXX for 7 years and XXXX for 3 years! Come on!!!

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 09/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Initial purchase with Synchrony XXXX days later found out my sister was used as joint. I gave information to use her as a reference only. I went back to the store to have account financed with XXXX and to have my sister removed as joint on the account. Paid XXXX to do this with XXXX XXXX. I have papers showing purchase and credit to Synchrony XXXX and papers with new company. I have provided these items to Synchrony XXXX and they are refusing to credit account back and remove my sister off the account as she did not authorize to be joint on account. She was not present for the transaction. Also now they are reporting me late to the credit bureaus. 


Synchrony XXXX credited the account back in XXXX XXXX XXXX and updated my credit report and my sister 's creed report. Now as of XXXX XXXX, XXXX, Synchrony XXXX has changed my account balance back to what I was disputing and they have reported me 30 days late!! I did not provide documents since I recently provided them to Synchrony again on 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 03-01-2017 about Payday loan () with GVA Holdings, LLC (NC).
Issue: Charged fees or interest I didn't expect

Complaint: I received a payday loan in XXXX of 2016. I borrowed {$200.00}. I was sent a contract ostating I had to payback {$68.00} every two weeks. I called a month ago asking about my loan amount and they told I had a second loan which I have no record of and there is no record when I login on their website. They have been charging {$120.00} every two weeks since XXXX. When I asked them to send me a contract where I had borrowed from them injure they sent me a XXXX contract again. I feel I have been taken advantage of because high interest payday loans have been prohibited in North Carolina. I am paying 708.08 % interest. Not to mention they have failed to provide me with a contract and there is no record of a XXXX contract on their site. There is no way you should be making on time payments to accompany and your payment amount is not decreasing nor is your principal decreasing over a years time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On or about  XXXX   XXXX ,   XXXX  , I noticed that a LVNV Funding LLC company had reported a derogatory mark on my  XXXX  and  XXXX  credit file. This is an unknown entity and I am not familiar with this company, nor have I done business with this agency in the past, however, this agency is reporting adverse information on my credit file, which is causing harm to my creditworthiness.     This agency is associated with  XXXX   XXXX    XXXX    XXXX  as my credit file reference  XXXX   XXXX  as an original creditor in some form, however, I have no relationship with either organization. This company has never sent any information to validate this debt, or show evidence that I have any contracts, or outstanding debts with them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX, NJ XXXX XXXX XXXX, 2016 Caliber Home Loans XXXX, OK XXXX Account Number : XXXX RE : Request for Payoff Statement TO WHOM IT MAY CONCERN : We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to 12 CFR 1026.36 ( c ) ( 3 ). For the record, we continue to dispute the validity of the alleged debt. 

" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. '' Thank you. 
Sincerely, XXXX Cc : Consumer Financial Protection Bureau ; NJ Superior Court

Company response to consumer: Closed with explanation