milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Charge approximately % 2500- {$3000.00} per month on SunTrust XXXX . Typically pay in full and avoid interest advertised at 16 %. Left {$300.00} unpaid first of XXXX. XXXX statement included {$12.00} interest charge due solely to my leaving a {$300.00} balance the previous month. That is 51 % interest.

I am aware that Supreme Court decisions have rendered state usury laws unenforceable. Burying a 51 % rate in indecipherable small print is no justification for robbing consumers however.

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 03-09-2016 about Mortgage (Other mortgage) with BB&T CORPORATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Over the course of 7 months of negotiations and several foreclosure sale postponements. We accomplished raising money to Fully Payoff our XXXX Mortgage ( BB & T ) and Short Pay XXXX Lien Holder ( XXXX-HELOC ). Another Foreclosure date was set for XXXX XXXX, 2016, without my knowledge, no notice to XXXX Lien Holder, and No notice posted on XXXX XXXX XXXX, webiste ( Foreclosing Attorney ) We were in bi-weekly communication with XXXX XXXX XXXX to obtain a updated payoff and no one mentioned New Sale date. We would have put in a request for postponement as in previous occasions. Most assuredly with money coming from IRA account to pay it off. However, We closed on XXXX XXXX, 2016 using a copy of my husband Power of Attorney. He was out of state in XXXX XXXX XXXX XXXX and hard to reach. He gave me POA to sign closing docs for him. The Original POA was lost in the mail and another had to be sent. On the afternoon of XXXX XXXX, 2016, The Title Company received the Original POA and began to disburse funds. They hand delivered the check to Junior Lienholder on XXXX XXXX, 2016, and then called to get a daily per diem to payoff BB & T via XXXX XXXX XXXX. XXXX advised the Title co that the property had been sold that Morning XXXX XXXX, 2016 to a Third party ( local Investor-Non Owner Occupant ). We began to communicate directly with BB & T that Full Payoff was available if they accept the payoff. BB & T advised they could more than likely allow Us to redeem the property due to State of TN 730 day Redemption Period. Even IF we Knowing or Unknowingly waived our rights to redeem int he original Deed BB & T could work around this to accept Full Payoff regardless to Third party buyer. 
BB & T sent request to XXXX XXXX. XXXX XXXX advises me as of XXXX XXXX, 2016, that it is at the discretion of the Servicer and their attorney to allow borrower to redeem the property. 
XXXX XXXX XXXX do NOT want to approve XXXX XXXX for XXXX. I find it strange and unjust that XXXX should reject the actions taken by their client to work with Us. XXXX XXXX XXXX is not interested to accept Full Payoff. XXXX wants the foreclosure sale to stand in spite of my conversation with BB & T ( XXXX XXXX XXXX 's client is attempting to work with Us ) BUT XXXX XXXX XXXX do not want to work with Us.

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 05/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Fed loan servicing is reporting  XXXX  day lates   XXXX   on  XXXX  loans! I have not been late I have been paying over {$1800.00} a month and never missed a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Auto) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted by a " Locating Service '' who gave me a claim number and telephone number to call. I called and was informed that XXXX and XXXX was attempting to collect a debt from HSBC Auto. I asked for more info on the debt, including the date of the last activity on the account. After getting info I realized that the date was well beyond the statute of limitations for this debt. The call person informed me that it was not, and that they could get a judgement against me, where it would report negative on my credit report and attach a 10 year wage garnishment. I was then informed of a settlement offer, which she didnt know the details of and would have to speak with her legal dept. I asked for verification of the debt, but apparently they didnt have to provide that. This company is using threatening tactics to try to scare people into paying back a debt they may or may not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Other debt) with N.A.R., Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or around XXXX XXXX I contacted the original creditor ( XXXX XXXX ) regarding a outstanding balance of approximately {$4500.00}. The reason for the default was due to my medical condition. The reason I contacted XXXX XXXX l was due to my Bankruptcy consideration. They agreed to settle for approximately {$2700.00} in writing and they will remove all negative information based on our agreement. After making the first payment of {$330.00} ( 45 days later ) the item was still being reported incorrectly. My bankruptcy lawyer tried several time to contacted XXXX XXXX and both he and I received no response. 60 days later the account was removed. XXXX XXXX a collection agency ( NAR INC )  reported on all XXXX credit agencies. I contacted the collection agency and the refused to remove or delete the collection. Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to apply for a loan modification with my loan servicer SLS ( Specialized Loan Servicer ) lender, I keep getting the run around I have sent complete income packages, and my lender keeps on lying, playing with me. 
I first receive phone calls that they have received the package, then they tell me that they are missing a few documents, which I sent back right away, then I get a phone call that they did not received a complete package. I have sent my documents over XXXX times and they keep on loosing my document, ( this is not a game this, I became XXXX this is XXXX of the reasons why I felt behind on my home. 
Is also very difficult to call SLS, every time I have tried to call them I ca n't get through, ( only when they call me )

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Here we go again with Specialize Loan Services. Constant complaints with this company. I just finish a complaint in XXXX that they did not pay my XXXX XXXX property taxes. NOW this time Effective XXXX XXXX, XXXX they are my servicer again. Why couldnt XXXX XXXX XXXX Keep my Mortgage account I was more happier with them. ANYWAY Specialize Services did not Pay my Property Insurance which was Due XXXX XXXX, XXXX. I received a Cancellation Notice to be cancelled on XXXX XXXX, XXXX. I went on and paid {$220.00} TO BE IN COMPLIANCE WITH MY INSURANCE COMPANY!!! NOT MY MORTGAGE COMPANY. It is obvious they are not in compliance and hiding something when it comes to escrow. I already paid with my mortgage payment which includes the property insurance and property taxes. SPECIALIZE LOAN SERVICES did not pay another escrowed bill once again. I am not happy at all with their service. I refuse to talk to the customer service because I do not get anywhere and everybody I talk to sounds like they are in training.

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 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called XXXX to find out the amount I owed them. They gave me that amount and I paid it, only to find out ( weeks later via a credit report ) that I had a collections notice for more money. They are n't getting back to me and I have tried to reach out and see if they can assist me in resolving this issue, but they are n't getting back to me with any options.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (SC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Several years ago, I opened a business bank account with Chase bank at my local branch. At that time a " relationship manager '' suggested that I select a " platinum '' account which had many features. I informed him that I did not want to pay any fees for my business banking account and just needed something simple. He assured me there would NOT be any fees, at that time or in the future. Foolishly, I took his work for it. And indeed, for many years after I opened the account there were no fees.
However, I discovered today when looking back at this account that Chase began charging me {$95.00} per month for this account starting in  XXXX  2016. This has resulted in {$1600.00} in unauthorized fees taken from my account. I would have noticed this sooner were it not for the fact that I was transferred overseas for work. I have complained to Chase that this is not authorized and they have not disputed that my relationship manager told me there 'd be no fees. However, they refuse to reimburse me. I would like to be compensated for these illegal and unauthorized charges as this is a clear case of " bait and switch. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2016 about Consumer Loan (Title loan) with Midway Resolution Services LLC (PA).
Issue: Payment to acct not credited

Complaint: I got calls from various collection companies that I owed for a payday loan taken out in XXXX or XXXX. I asked for some type of very action of the validity of this loan. They claimed to have emailed or mailed documentation but I never received any. I recently saw on my credit report that Midwest Recovery Systems put a collection on my credit report. This is not a valid debt.

Company response to consumer: Untimely response
Consumer complaint received 01/17/2018 about Debt collection (Private student loan debt) with SLM CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Sallie Mae has contacted me all day, weekends, and holidays. They have contacted my mother and father more than once. I repeatedly told the loan officer I am still in school and I am still in an internship required by school and I will be submitting paperwork shortly. They are still calling and harassing 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 02/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Since the XXXX switch, I have had issues with this company, from minor to major. I had difficulty with navigating the website, costumer service was rude and not helpful making me feel uneducated on how to service my loans and they made paying off principal, not just interest impossible, even though I tried to allocate my payments to do so every month. I felt as though I would never get ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This original debt was included in my husband 's discharged bankruptcy ( X/2015 ) ... .the effect of the discharge is it is NOT enforceable on those community claims pursuant to 11 USC 524.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it might concern, My name is XXXX XXXX, I am XXXX year old, I am discharged from BK chapter XXXX in XX/XX/XXXX. My loan number with Nationstar is XXXX XXXX XXXX. XX/XX/XXXX released from hospital, I received XXXX non-certify mails of Nationstar that XXXX referred to XXXX, a foreclosure corporation to foreclosed my home. I am not certain what stage of foreclosure I am at but I determine to keep my only home. I am devastated. I made a payment of around {$2200.00} on or about XX/XX/XXXX. Nationstar rep said after paying the {$2200.00}, it would take my home out of foreclosure zone, and that they would not pursue foreclosure proceeding, and this letter was written in XX/XX/XXXX. I have fulfilled my obligation in the financial hardship. I request all my history payments, all fees added on to loan, and promissory note to be deliver to my home. I had foreclosure rescue fraud before with some modification company and had to file BK chapter XXXX to save my only home. I have before request the principle to be recalculate because the amount does not equivalent to my number. I thorough review the fees and Nationstar tend to add on misc fees and penalties and that I feel only make my loan higher in Principle, I am not well at all time as I am older, my children 's and my own retirement income is helping me paying all expenses. At this time, I wish to seek principle reduction with a fixed interest. I am requesting a minimum USD I can pay to bring my loan current. I feel I am in trap of miscellaneous fees that add up to XXXX and XXXX of dollars, over time, add up. I need to keep my home and not worry about strange fees add to my loan. I would like to know what 's my minimum amount to bring my loan current. I request principle reduction. I am looking into all foreclosure prevention options. Thank you and looking forward to hear from you soon. 

XXXX, CA XXXX ( XXXX ) XXXX XXXX, or ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on my credit reports that I have never lived at. It is XXXX XXXX XXXX XXXX XXXX Me XXXX. There is an incorrect birthdate of XX/XX/XXXX on my credit reports. There is a spouse on my credit report named XXXX and I have been divorced since XX/XX/XXXX and he is dead. There is a incorrect social security number on my credit reports of XXXX. There are several misspellings of my name due to typing errors that I want removed. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. There ard phone numbers that are not mine on my credit reports, 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 non-monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: XXXX XXXX had illegal obtain my information without consent in an effort to exort money out of me by walking around in the neighborhood signing people of for service without their knowledge or approval. I found out in 2017 from the Student loan department about the debt. I had a police report due to someon stealing my identity. I filed with Experian on numerous counts with this police report but, experian rep 's have intentionally and knowingly fabicate to me about filing such dispute than a rep by XXXX threaten to send to all bureaus about XXXX because I continue to file the dispute. I told her she is violating my rights and so is Experian by continuing to report the information intentionally and knowingly this account is a fraud by police report but, Experian system will not allow me to download Police report and response by sending to their XXXX XXXX which, they claim they never get. I have asked Experian to remove this from by credit but, they are aware that this is a SCAM by XXXX and refuses to remove this off my credit report. My credit is good this is the only negative thing on my credit. I am not a Debtor. I pay my bills which, my history provides evidences that my debt are paid to full balance on time. Experian continues to violate by RIGHT BY NOT REMOVING THIS SCAM ACCOUNT OFF MY RECORD -- Attached a Copy of the police report and I will also be filing with another federal office on Experian

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I requested a copy of my credit report and spoke with a representative and inform the representative that there are a lot of inquiries on my credit report from the same company made within a month from each other and some inquiries made within the same day as fraudulent and I did not request any information from the companies that are showing up on my credit report, to no avail have the multiple inquiries been removed the credit bureau sent me an updated credit report with the same information I also spoke with a supervisor to no avail this situation is disheartening

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 02/20/2018 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: AFNI CONTINUALLY TRIES TO COLLECT A DEBT THE XXXX HAS STATED I DO NOT OWE I HAVE MADE THIS PLEASE OVER 6 TIMES FOR VALIDATION FOR 2 YEARS AND NO RESPONSE/XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  : ( XXXX United States ) XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX  : ( XXXX  United States ) XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Consumer Services Department XXXX Name Removal Option XXXX XXXX   XXXX XXXX, PA XXXX Date : XX/XX/2016 AFNI RE : ALLEGED Account # Partial XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I enter all the relevant data and am denied by Equifax. I am told I have to mail a request. I did n't start this problem. I want my report online. And by the way, XXXX and XXXX  continue to charge for freezes. A disgrace.

Company response to consumer: Closed with explanation