milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Student loan (Private student loan) with AES/PHEAA (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: 1. I requested from American Education Service ( AES ) all of the documentation concerning the loan. The loan was originally with XXXX which was turned to XXXX XXXX. I asked AES to provide me with the documents stating what company owns the loan and the transaction documentation when the loan was transferred or sold. AES responded that they were unable to provide the information. 2. I was told when I first got the loan that I could remove the cosigner after making 24 payments. Now they have changed the rules : a ) You can not have had a deferment. b ) When making payments, you must wait 30 days before submitting the next payment. This is to prevent a person from paying the 24 payments quickly. 3. The terms of this loan are very difficult, almost fraudulent. The loan was for {$16000.00} in XX/XX/XXXX and no payment until XX/XX/XXXX. In XX/XX/XXXX, the balance was {$21000.00}. A deferment was requested and in XX/XX/XXXX the balance was {$24000.00}. I made payments in Starting XX/XX/XXXX to XX/XX/XXXX and the balance remained the same at {$24000.00}. The balance has fluctuated up to {$26000.00} in XX/XX/XXXX and is {$25000.00} as of XX/XX/XXXX. At this rate I will never be able to pay off this loan. I have  attached my loan payment history. The payment is currently {$210.00} per month. I have asked AES if I could modify the terms of the loan but they said they would not change it. 4. If AES or the lender who currently " owns '' the loan can not provide proof that they truly own the loan or service the loan, then by law they can not collect payments for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Fair Col lections & Out. Acct.  XXXX . {$21000.00}.   I have no idea who this is, what this is, and ca n'  t IMAGINE who I could possibly owe this much money too!
I sent a letter to the credit bureaus asking them to verify the debt. I did n't receive a response, and now I do n't know what to do! Please help me.

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 01-12-2017 about Credit card () with DISCOVER BANK (TX).
Issue: Transaction issue

Complaint: On XX/XX/XXXX, I purchased a 7-day fare-lock service for a XXXX flight with my Discover card. The automatic purchase was not selected at the time of the purchase. Prior to fare lock expiration, I purchased the ticket using the XXXX credit service. After the purchase I received notification from XXXX regarding the recent purchase from XXXX. I chose XXXX due to the promotional offer of 0 % APR for 6 months for purchases over {$99.00}. I noticed the charge on my Discover card several days after the initial purchase. My XXXX credit account is not linked to my Discover credit card. I contacted Discover, XXXX and XXXX XXXX about the use of the incorrect card, initiated by XXXX XXXX, for the purchase of the flight ticket. XXXX stated the charge was pending due to XXXX not taking the necessary steps to confirm the payment. I gave XXXX all relevant information I gathered from XXXX including transaction ID information and was assured by XXXX that an investigation would take place and a resolution would be found. I called XXXX XXXX additional times and was told an investigation was underway. During this time I am also disputing the charge on my Discover account because I did not initiate the flight purchase transaction using my Discover card. I cancelled the flight due to the impending investigation. I am continuing to dispute the transaction on my Discover card because I did not initiate the transaction on my Discover card and XXXX has also supplied information verifying this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Other debt) with AFNI INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX System and they keep harassing me over it. Called AFNI and XXXX XXXX XXXX said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is stating I 'm behind on my account. Per my calculations I should be up to date. They have applied my monthly payment towards other fees without my authorization, this cause for my account to be at default assessing late charges on the account and reporting over 30days past due. Until this date, I have requested for someone to review my account and explain to me how my funds are being distribute to my account. I get no answer, representative only state " I will mail you out a payment history report '' this is not the solution. I need answer. I requested to speak to a Supervisor and was told her name was XXXX she was unprofessional. I asked her to please go over payment history report with me to inform me where in my part I defaulted on my loan. I 'm 100 % sure my account should not be past due. I need assistance and need someone to inform me where I defaulted and no one in this company is taking the time to review my account to proof them wrong.. I expect my credit report to be fixed and my account back up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I was on medical leave from my employer and my health savings account card was turn off and closed, I was unable to pay the dentist and surgeon with the appropriate funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called XXXX and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX XXXX finance XXXX XXXX XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cr XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX Cap XXXX XXXX XXXX auto XXXX XXXX fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premium cred XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Other banking product or service) with LENDING CLUB CORP (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I went to my Lending Club account online to continue to sell the notes I have invested in. My account, I was notified, was locked because they needed additional information and would I send a copy of my utility bill. This seemed very strange but I complied. Today XXXX/XXXX/XXXX I received an email requesting a copy of my utility bill and a copy of my drivers license. When I called to inquire why they needed this information so that I could withdraw money from account they said - after a great deal of arguing- that my XXXX credit report address did n't match their information. This is very strange since I 've never had any problems with any credit report and my address has been the same for 17 years and I 've had the account with Lending Club for 4 years. It seems that I sent a payment receipt and not the actual utility bill on Sunday XXXX and that was acceptable. 

Lending Club has my money and is locking me out of it because they ca n't figure out where I live? They have my DOB and Social Security # ... they could verify it in a heartbeat. 

Are they going broke? How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: SunTrust Banks' actions caused me to become homeless:

I was anticipating a permanent move from XXXX Florida to XXXX XXXX, to happen during XXXX XXXX 2017.  In preparation for the move, on X/X/17 I met with the personal banker at the branch located on XXXX XXXX XXXX XXXX to transfer the balance of my savings to checking ($XXXX) and close my savings acct.  The personal banker urged me to agree to an automatic monthly deposit of $XXXX/mo to my savings to keep the savings acct open and avoid monthly low balance fees.  I agreed.

I have resisted moving to online banking due to the epidemic of hacking intrusions and financial theft.  To check my balance I must use a SunTrust ATM or pay a $XXXX fee.  $XXXX to the merchant and $XXXX to the bank. Previously, I had been using my savings account to cover any purchases for which I had insufficient funds in my checking account.  Once I drained the savings account, I naturally expected any future purchase, for which there wasn't enough money in checking, to be declined.  

This did not happen; during the month of XX/XX/XXXX SunTrust was overdradting minimal purchases of (

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 01-06-2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I tried three times calling BoA to close my saving account. However, I have never been connected to a customer representative for over 20 minutes waiting time.

Every time I made a phone call, the system asked me to wait, but finally, the background music stopped and no customer representative spoke to me.

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 11/18/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Describe what happened so we can understand the issue ... 
I became delinquent with my XXXX dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Reverse mortgage) with JAMES B. NUTTER & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for the past five to submit a request for assistant for my client who has a reversed mortgage with James B. Nutter & Company. I submitted all of the information requested by the Mortgage company including an authorization to release client information from my office. I was told that they would not use my Authorization, I have to use their own authorization. They forwarded to my their authorization and I completed. Thereafter, I was told that was the wrong authorization, to resend them a letter with my company letterhead that I represented the client along with the original authorization that I sent them the first time. Again, It has been over four months I am yet to be approved by James B. Nutter to get information on behalf of the client. At the present, the property is pending foreclosure. My clients do no want to lose their house. I need your held in assisting myself and my client.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: HRRG contacted me on my cell phone and left recorded message saying they were a debt collector and I needed to call them back at XXXX XXXX. I called back from my house phone and girl ask for my cell phone # to look up what the debt was. I gave it to her and she stated that there was no info on me. She ask for my social security # .... I said absolutely not. This ended the phone call. They had no reason to call or ask for my SSN. I do not have any outstanding bills. This struck me as a fishing for personal info call. The # that called my cell phone XXXX and ask me to call back on XXXX. Thank you.

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 05/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Credit decision / Underwriting

Complaint: I had an insurance claim on my home and Ditech must sign the insurance check and return it to me. I XXXX all their required information to them with the check and was informed it would take 7 to 10 days to process. On day 10 they stated they would finish processing and then would need another 3 business days until some would contact me to schedule an inspection and then once they heard back would need another 3 to 5 days to get me a check. So on a mortgage that I owe them XXXX on a XXXX property it will take a month to get a check. To add insult to injury I am in the process of selling my house and requested an exception and was told no way. Was on the phone for over an hour on hold to get this information in 2 minutes. Ditech is the worst mortgage company and should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with Colony Brands, Inc. (NE).
Issue: Other

Complaint: Country Door and Swiss Colony are under the same company. I have paid these cards off and when I have tried to get my credit reports updated to no avail. When I called Country Door I was advised that this company, Swiss Colony, XXXX, and etc are under the same company and that they do not update/remove items from credit reports even if the card is paid in full. I have been told I have to request this to be done by directly contacting the Credit Reporting Agencies. However, I have hit a brick wall and there has been no action to remove these XXXX accounts from my credit reports since I have paid these accounts off.

Company response to consumer: Untimely response
Consumer complaint received 04/29/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Settlement process and costs

Complaint: I am writing this letter to begin the process of filing a formal complaint against Ocwen Mortgage Company contact # XXXX. 
Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX WWW.OCWEN.COM We have been communicating with Ocwen for over 3 years trying to close a short sale which they continue to sabotage. 
XXXX XXXX, XXXX was the scheduled closing date for the short sale and XXXX did not remove the XXXX lien from the title to close the loan. 
XXXX XXXX, XXXX we were scheduled to close and Ocwen again did not remove the XXXX mortgage from the title. Then on XXXX XXXX, XXXX I spoke agent ID XXXX XXXX and he explained that there was an " issue with the title '' and the information that is needed to clarify this will be emailed to me and the broker within 24 to 48 hours. XXXX agent ID XXXX then called again on Thursday XXXX XXXX, XXXX and said the request to send the email was not done ... .then on XXXX XXXX, XXXX spoke to XXXX again and he said he would need to transfer me to XXXX in the research department who then stated that she would need to place on several holds and then came back with the same information that there is " an issue with the title '' and the legal department is now handling this and they will be emailing us instructions within 24 to 48 hours. I am trying to paint a picture of the level of sabotage that is going on to try and prevent the short sale from taking place over the past 3 years. Phone calls and emails similar if not worst to this one has been occurring between myself and Ocwen, Ocwen and the broker and Ocwen and the buyer. We are all ready to close this short sale and they continue to do everything they can to transfer and delay the closing and in the meantime continues to file paperwork to foreclose the home. As the seller of the property I am asking for further assistance in dealing with Ocwen as someone has to be in charge of regulating them so they can not continue to sabotage a short sale by not providing the necessary documentation to close the sale. Ocwen has repeatedly not provided the necessary documents to move forward with the sale. Everyone including the attorney, buyer, broker, agent and myself have always been ready prepared to close this short sale and Ocwen conveniently finds a reason to not provide the documentation which in this case is to remove the XXXX mortgage from the title to close. I was informed by your customer service department to file a separate complaint for each mortgage the second mortgage I am referring to in this complaint will be filed separately. The second mortgage is a HELOC-Home equity line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had defaulted on XXXX of my private loans due to not being able to pay the over {$700.00} a month payment. My Mother and I had called them and went through all the steps to sign up for a lower payment that would include all XXXX loans. We have made XXXX payments so far and was told that if we made XXXX consecutive payments, my loans would come out of default. I am now, along with my mother, getting notices saying that I am in default with my loans and I need to take action now. I am very confused as I thought everything was settled and worked out. I am very upset because we were given an amount based upon the financial information we had given and now even though we are making these payments and on time, we are still being told that my loans are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Medical debt) with Alorica Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Less than a year ago, I unfortunately had to be hospitalized and at the time I did not have health insurance and I was told by the hospital that I would qualify for emergency XXXX based on my circumstances. I have never received a bill or any form of notice. 

A few months later, I was checking my credit report and I was shocked to learn that I had all of this outstanding debt that had gone into collections. I never received/done any business with any of these entities listed in my report. 

The list goes as followed : XXXX XXXX XXXX, XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 06-02-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Closing/Cancelling account

Complaint: I had several accounts with GE Capital they were all in good standing showing no late payments. Once synchrony took over they first lowered my limit and then after I paid the balances they close the account.This has drastically affected my credit score and I do notice through other complaints that this is a common practice with synchrony. I have other credit card companies and none of them have lowered any balance or close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (IL).
Issue: Account opening, closing, or management

Complaint: My Sam 's Club MasterCard operated by Synchrony Bank had some fraudulent activities on it. The account was closed and a new card was sent to me. Once I activated the card I could then log in on line and check my account. The problem is since Synchrony Bank closed the account I can not go on line and look at any previous charges under my old credit card number. After several call to customer service managers the above statement is true and they have had other complaints about the same lack of service from other customers. The explanation is " That 's the way are system does it. '' Even though they have the ability to look at history the customer/account owner does not. When you get hacked you get victimized twice once by the perpetrator and once by Synchrony. So nice to be a valued customer ... ... ... .NOT!!

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