milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from law school at the XXXX in XXXX, after finishing XXXX at the XXXX in XXXX. During my time at both of these schools, I had to take out private student loans in order to cover my cost of living, books, food, etc. Now, I am facing upwards of $ XXXX in private student loans. I have another $ XXXX or so in federal loans as well, but these are not the problem. My experience with the private loan companies has been XXXX. They are very rigid on your options for forbearance and deferment. They allow of short term and long term hardship options, but they are always in tandem with super strict requirements that you are unlikely to meet. I pay roughly {$1200.00} a month in student loans currently. My hardest payments being to the private loan servicers. I simply can not afford to keep making these payments and the companies will not work with me in any way to get the monthly payment more manageable. I also have a cosigner, but she 's my mom and honestly can not afford to be making these payments either. I 've been considering bankruptcy as an option, but I do n't want to force my parents into bankruptcy. I 've also been considering just defaulting on the loans with the hope that maybe they will be more willing to negotiate once I stop making payments or we are in court. I really do n't know what to do, but I feel stuck and suffocated by this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We are a non profit counseling agency in XXXX, we submitted a a loan modification package to Ditech Financial on XX/XX/2017, Ditech 's representative stated that the loan modification was under review and it will take them 5 days to complete the review. I called on XX/XX/2017 and I was told that they needed another 5 days to complete their review. Today XX/XX/2017 I was told that there was no update from underwriter or representative working on the case. The client received a court notice ( to appear in court XX/XX/2017 ). The lender even told me that they will continue the foreclosure process. They are double tracking. They have a COMPLETE package requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct so why are they asking me for proof. In the results of there investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? Experian have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A XXXX & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore Experian have failed to provide the method of verification as required under Section XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA - Experian are required to " ... promptly DELETE all information which can not be verified. '' Experian has violation all of my right. enclose is a copy from XXXX and they or I could get these account that Experian said they verify. 
account name : XXXX account number:XXXX account name ; XXXX XXXX bank account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX Please send all papers and my signature to me on these accout, enclose is proof that they are not mine.

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 08-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Transaction issue

Complaint: On XXXX XXXX of this year I had gone online to buy a plane ticket. In order for me to get the maximum discount of {$100.00} dollars the company, Spirit Airlines, said that I would have to apply for a credit card through Bank of America. I went through the procedure, but lo and behold, after I had gotten the ticket, the discount was n't applied. I contacted the airlines and told them that they did n't add the additional discount and they told me that that was too bad, and then I told them if that 's the case then I am canceling my flight order. They told me that was n't possible, and I said if you do n't honor an agreement, then the agreement is null and void. They told me that the flight was non refundable and so then I contacted Bank of America the same day, and told them that I was canceling the credit card and it 's order. The said it would be under review and I did n't hear anything about it until XXXX XXXX of this same year. Bank of America told me that Spirit Airlines had filed for compensation and that they, Bank of America, felt obligated to honor their request.

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 03/20/2017 about Debt collection (Medical) with AmeriCollect (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Cash advance

Complaint: I received an offer to take a cash advance against my Wells Fargo Credit Card for a promotional rate of 3.9 % for one year, in the amount of {$7500.00}. I also use this credit card for purchases, and I made {$5000.00} in purchases. I always pay off my purchases when the credit card bill comes in. So, when the bill came for {$12000.00}, I paid {$5000.00}, realizing that the interest on the {$7500.00} would go against an outstanding balance that interest would be charged against. To my surprise, Wells Fargo applied the entire {$5000.00} to the promotional balance, leaving the purchases unpaid, at an interest rate of 12.49 %. So, the upshot is that if you do n't use the credit card for ongoing purchases, you will probably get the promotional rate on the full amount of the cash advance for a year ( as advertised ). But, if you actively use the card, then the promo balance will be paid off in a few months, and you will owe a much higher rate on the purchases - which never got paid. None of the information about the promotion indicated that this is how payments would be applied. Wells Fargo did refund all the interest that I paid this month, but said I would need to call back every month and ask for the interest back - and they may or may not be willing to do this. Had I known that this was how they were going to apply the payments, I would have never used the promotion. I already had the {$7500.00} on a loan with a 6.5 % interest rate, so I am worse off now.

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 08/26/2016 about Bank account or service (Other bank product/service) with WESTERN UNION COMPANY, THE (NV).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, I purchased a money order from Western Union to submit to my cable company. The Cable people never received it. I contacted WU and was advised that I had to purchase for {$15.00} a copy of the cancelled money order. When I originally contacted WU in the latter part of XXXX I was told that after I received the cancelled money I would have to contact their office to provide a recorded affidavit attesting that I did not cash the money order. They told me this process would take around 30 days. The time has expired and I do not have my cancelled money and I was told, that after the phone call that I still have to make, the process will now take about 120 days or so. I was also told that even after their investigation, I still may not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient will leave an automated voicemail that they are trying to reach the borrower and need to speak to them about their loan. When you call back to the number they leave it is not being answered in the proper department. Navient has also indicated that payments were not made on certain accounts until I inform them that I have a confirmation number and the money has been removed from my account, then they magically find that the payment was made ( sometimes on the same day ). Until an argument took place I had no knowledge that Navient had a private loan side and a federal loan side. Whenever, I call in they are automatically sending my calls to one or the other side but not necessarily the correct side. I am getting information from people that the loan is current and then others are saying it will be reported to collections. It is frustrating because until reaching out to XXXX I was unaware of a national database that existed which one of my loans did not even appear on. However, that did not stop Navient from trying to collect after a 4 month delinquency that I had no idea even existed since I had consolidated to the Loan Forgiveness Program and was making payments and was current. Then Navient contacts me about a loan AFTER it was already delinquent. When I inquired to where this loan had been and why it did not transfer over when requested ( two years earlier ), they could only tell me it was in an administrative hold and it would need to be researched because they could not even tell who made the hold request. The lack of professionalism and knowledge of what is going on with accounts in Navient 's custody is pure disgust. NAVIENT SHOULD BE PUT OUT OF BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
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: I tried to resolve a dispute regarding a deposit charge that was supposed to be returned to me from a XXXX XXXX XXXX car dealership. Per the agreement submitted to the CapitalOne credit card company section 12 this deposit was supposed to be returned if the sale of a used car did not go through. This was acknowledged by Capitalone and discussed in detail with a fraud supervisor named XXXX in a recorded conversation but the CapitalOne company still did not reverse the charge and claimed the decision was not up them but with " either XX/XX/XXXX or XX/XX/XXXX ''. Capitalone did not live up to its Agreement to have protection from false billing as it claimed when I signed up with the company as a client.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: reporting agency can not find/locate my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am unemployed and could n't afford house insurance so the mortgage company applied insurance for me. They made it sound like they were helping me but when i let them go ahead with their insurance is when the problems accumilated. The insurance is 150 % more in price than the lapsed insurance. They did not state the amount until it was applied and did n't tell me it would be added on to my mortgage payment. The loan is only {$80000.00} and the house is est. at {$160000.00} value. The policy they took out is for {$200000.00} and the premium is more than mortgage payment. They would not take any partial payments that i tried to make even though their letters explains any partial payments may be deducted from new mortgage payment or held in suspense and not deemed as a cure but they would n't take any of my repeated partial payment attempts. Now there is several late fees, and other charges accumalted. A {$420.00} loan payment has ballooned to a {$2900.00} payment in just 2 moths. They are now sending letters of when they can start their forclosure act. The new insurance payment that was put on top of my loan payment is {$450.00} monthly and does n't cover any of my personal belongings. Please HELP, i aslo have joint custody of XXXX children. I need help because i have tried to negotiate with them but they will not help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX 2014, my purse was stolen from my car in XXXX, XXXX. I called XXXX XXXX right after the incident to inform them my wallet with debit card, credit card and photo ID was stolen. However, they let the person/people that stole my purse cash checks on my name in another state a couple of days later. My account was frozen until the case was resolve XXXX months later. Because the process took so long and the bad service at XXXX XXXX, I decided to move my account to XXXX XXXX in XXXX. Recently, I moved to XXXX where XXXX XXXX is not available and also got married, I 've tried to open another checkings account in a local bank but i 'm not allowed. Also, I tried to open an join account in XXXX with my husband, who is a XXXX costumer, but I ca n't do either because XXXX XXXX let someone steal from my account twice even though I called and cancelled everything. They even let it overdraft by thousands of dollars. I have the police report which states someone broke into my car, I even have the receipt from my cars repair. I have excellent credit. However, I not allowed to open a checkings account because of XXXX XXXX 's incompetence. To this day I do n't understand how XXXX XXXX let this happen. Who cashes checks for XXXX in a different state after they called a few days before to inform the bank about a robbery. On top of stealing from a client then they do n't let people bank with anyone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: After the XXXX breach, my wife put a freeze on using either of our credit reports without our consent. We live in Texas, a community property state, where both spouses are liable for the debt of the other. Experian is the only credit rating agency that required I submit a seprate security freeze request. I tried to submit the request on their online form, but they responded saying that " they could not honor the request based on the information I entered. '' They did not say what information was at issue. The reply said I must submit all the same information requested by the form to them by mail. Name, address, SSN, prior address, date of birth, and a fee. First complaint : Why they do not allow on spouse to submit the freeze for both spouses per other agencies. Second Complaint : Not identifying the issue that prevented using the on-line freeze. Third Complaint : Requiring me to send all the information to them by postal service. 
I did not contact them by phone ( they have no email contact information ) because these policie and procedures seem to be designed to discourage consumers from requesting a freeze. In effect they have collected all my personal information and do not provide a easy process for me to protect myself from someone getting hold of that information,

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In my consumer credit report, a note of XXXX XXXX of Bankruptcy # XXXX which does not belong to my credit reports is reported. Like variations of names, addresses that do not belong to me such as XXXX XXXX XXXX XXXX XXXX, P.R XXXX and jobs that do not belong to me, such as XXXX XXXX and XXXX XXXX XXXX. 

Realize an investigation in the portal of the judicial branch of Puerto Rico to verify the information of the incorrect record and this case number is not reported under my name. This situation is making it impossible to use my credit for future purchases.

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 12-02-2016 about Debt collection (Auto) with Wilber and Associates, P.C. (SD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: * XX/XX/2016. i got into a car accident. 
*I was in my mothers car. my mother did have insurance with wind haven. i was not on her insurance. 
*I was at fault. 
*6 months later ( XX/XX/XXXX ) i received a letter from " XXXX subrogation Department ''. 
*That letter stated " YOU ARE LIABLE FOR PAYMENTS THAT XXXX MADE TO ITS POLICYHOLDER AS A RESULT OF THE LOSS. THE DAMAGES ARE {$7800.00} '' * On XX/XX/2016. i got a call from " wilber & associates '' * The case number they had on file was the same as the one on the letter from " XXXX ''. 
* This company told me that i no longer owe the {$7800.00}. now its SUDDENLY {$120000.00}. 
*They told me that if i do n't pay {$250.00} a month starting this month that they would get my FL drivers license suspended. and that if i did n't start those payments that they would not allow me later on to negotiate a payment plan. 
* I NEVER got mail from them before this phone call. 
*I told them that i would not make payments until they mailed me proof that i owe that amount. 
* They then got Mad, were very rude, practically Threatened to ruin my MILITARY career, spoke over me, then hung up the phone. 
* After several attempts they sent me their " proof '' for some of the debts. MOST of the proof were mearly Estimates of the damages. 
* Heres what they 're charging me -total loss XXXX : {$9100.00} - Net salvage : - {$1600.00} -Rental Reimbursement : {$230.00} -XXXX : {$4700.00}. 

They sent me paperwork for everything EXCEPT the XXXX, they refuse to show me any type of proof of where those {$4700.00} were even spent on. no proof at all that the other people involved even went to the hospital for any type of injuries. the person handling my claim even told me that i am a " NOBODY '' and that i have NO right to see proof of that paperwork. he also told me that they DONT have that paperwork which I 'm sure they do n't, but at the same time he said that the other person involved had a XXXX. contradicting himself. 
*i have explained MULTIPLE times to them that i have no problem paying as long as there is accurate paperwork to support their claims. 
* the police report says that there were NO INJURIES!

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 03/31/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ID).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a house in XX/XX/XXXX, and refinanced with GMAC XXXX in XX/XX/XXXX. In XX/XX/XXXX the account was in default and I filed a ch. XXXX BK in XX/XX/XXXX to stay the foreclosure. In XX/XX/XXXX, I modified my Ch. XXXX and surrendered the property. In XX/XX/XXXX my BK discharged an I was relieved of any and all debt on the property. GMAC themselves went into BK and reemerged as Ocwen Financial. No foreclosure took place on the property, and in XX/XX/XXXX I was sued by Ocwen in Oregon in a Judicial Foreclosure process to collect a debt that I do n't owe. As a result of the lawsuit, a judgement was obtained, and Ocwen foreclosed on the property to collect from me on the judgement. Furthermore, that foreclosure process and judgement are now a public record and are preventing me from both FHA, and XXXX financing on a new home despite exceeding the 4 year post-discharge waiting period. The act of Ocwen to delay a deed of trust forclosure process while within the confines of my ch. XXXX BK, and the filing of a lawsuit to collect, on a debt that had been discharged, is preventing me from being able to purchase home. Ocwen has shown disregard for the protections offered by the bankruptcy process and has caused me both financial and emotional harm.

Company response to consumer: Closed with explanation