milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loans, for studies at XXXX XXXX XXXX, entered the repayment period 3 months ago, however, I am unable to make the payments. I notified Navient through their Customer Advocacy division ( XXXX ) and they are well aware of my difficulties, having submitted to them a full financial worksheet detailing my inability to make payments on private loans. I gave them this information 7 months ago so that we could work out a payment plan that would prevent me from missing payments. 

Despite knowing of these issues well before my students loans entered their repayment period, I have not received a payment plan adjusted for my income and costs of living. In the last 3 months, I have sent multiple e-mails to Navient but have not received offers of alternate payment options. In the meantime, my credit is suffering since I am unable to make the requested payments ( of XXXX $ /month ). 

My complaint is simple : I am displeased with their failure to communicate within a reasonable time frame. For every XXXX I send to Navient over a 2 week period, I receive only 1 message in return, despite the urgency. That is, while I hope we can work together to agree on a repayment plan, my credit is suffering due to miss payments. 

I propose all future communications with Navient become restricted to the CFPB platform so that our discussion is monitored by a trusted third-party. From these discussions, I hope we can agree upon a fair payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Medical) with Credence Resource Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credence RM is trying to get money for a supposed debt never handed over to them. They have my personal information and are after my SSN. It 's a scam. On XXXX/XXXX/2017, I received a call from a local XXXX, GA number, XXXX. The caller claimed to be trying to collect a debt on behalf of their client, XXXX. As I knew that my insurance had paid XXXX in full almost 6 months ago, I got off the phone and called XXXX directly. I found out from them that their records indicated they were paid in full, that the account had been closed for nearly 6 months, and that the account had never been turned over to a collection agency as it was paid promptly and in full. 

So, I Googled the phone number that I had received the collection call from and found Credence Resource Management LLC. I called Credence directly to try to clear up the matter, but was told they could n't look me up without my Social Security Number, which I was not going to give them, as they had already confirmed my name, phone number, and address, which would be more than sufficient to look up my account. I got off the phone and did some additional research on Google and discovered that Credence RM has a track record for calling from local numbers, never leaving messages, and for being a scammer. As I had been receiving calls from different local numbers recently, I decided to Google those numbers as well, and sure enough, they traced back to Credence RM. 

As my " debt '' does n't exist, and my information was never given to Credence RM, I 'm strongly of the belief that this company is illegally operating to scam people out of their money by illicitly obtaining confidential information, masquerading as a collection agency, and scaring people into giving them money and additional personal information that can be used to steal their identity ( such as SSNs ). It 's alarming to me that Credence RM has information regarding my previous medical treatment, that was not given to them by any of the involved parties ; it begs the question, " how did they get it? ". Given the numerous complaints against this company here on the CFPB, and on Google, I think this company should be investigated for illegal practices and scamming.

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 03-02-2018 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Compliant is against IC Systems/XXXX # XXXX : XXXX sent me to collections at IC Systems for {$77.00} on XX/XX/XXXX. I haven't had XXXX since XXXX. After disconnecting the service XXXX they continued to auto withdraw roughly {$100.00} a month from our account for almost a year. I've reached out to XXXX over 10 times to get payment back from them ( over {$1000.00} ) with no eval. Now my credit report is showing that they have sent me to collections for {$77.00}. I was never contacted by them for this and do not feel that I owe them anything. I have contacted them to ask for them to retract this from IC systems. I haven't heard back from them to date.

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 10/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred including transfers within XXXX. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. 
In Bank of America 's response to Consumer Financial Protection Bureau, Case number : XXXX your representative, XXXX XXXX, XXXX XXXX, XXXX Customer Care Resolution, said, " Our records indicate that in XXXX 2009, the transfer of your loan from Countrywide Bank, XXXX, to Bank of America, N.A., was completed. '' If this is indeed true, why was there no notification to the borrower at that time that the ownership of the mortgage was transferred? 
My records indicate that this transfer took place on XXXX when Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XXXX at XXXX XXXX ). This transfer was a transfer out of the XXXX system as evidenced by the instrument recorded in XXXX XXXX XXXX, NC. ( See attached Assignment of Deed of Trust ). It was transferred from XXXX as nominee for Countrywide Bank XXXX Bank of America, XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
This was XXXX Resolution Specialist, XXXX Customer Care Resolution, response to my question why I was not notified of this transfer : " Under the XXXX, XXXX XXXX XXXX XXXX XXXX, your lender holds your promissory note, and XXXX was designated as the beneficiary under the Deed of Trust. The beneficiaries under your Deed of Trust are tracked through an internal electronic database. '' Her statement is partially true but does not answer my question. This transfer was directly to Bank of America, not held in XXXX for Bank of America. 
Why was no notification sent to me, the borrower, that this transfer had taken place? 
If what XXXX XXXX, and her supervisor XXXX XXXX, and XXXX XXXX reviewer XXXX 's Supervisor, XXXX XXXX, Senior Vice President at Bank of America, all agreed that what was published as the date of a transfer, why was I not notified of the assignment of the deed of trust in XX/XX/XXXX referenced above?

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 05/17/2017 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: Disputed the validity of an account. Submitted all the documentation to Experian and they refuse to remove the account due to the reporting agency being a subscriber which certifies the reporting agency is reporting accurate information even though Experian does not conduct an investigation themselves but rely on the reporting agency to investigate their own dispute therefore a conflict of interest. I have submitted the documentation to all   XXXX   credit bureaus and they account has been removed but Experian refuse to remove the account therefore my credit report is inaccurate.

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 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received a letter from First National Collection Bureau Inc alleging that I owe a debt. I do not owe any debt to First National Collection Bureau XXXX Inc., XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX. I had already sent XXXX XXXX XXXX a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by First National Collection Bureau on behalf of XXXX XXXX XXXX XXXX XXXX which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by First National Collection Bureau, XXXX XXXX XXXX XXXX XXXX, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Trouble during payment process

Complaint: We refinanced our home in XX/XX/XXXXthrough Capital One. At that time, their appraisal value came in at {$360000.00} done by a XXXX XXXX. We knew it was low, ( we had it appraised earlier that year ), but accepted the terms which included private mortgage insurance, because we are nearing retirement and wanted a lower payment. In late XX/XX/XXXX, we requested to have the PMI removed. InXX/XX/XXXX we received a letter denying our request because the value of our home was now {$430000.00} and it needed to be {$440000.00}. We had gained value but not quite enough. This appraisal was done by a different person. We were given the option to pay the difference. Which brings us to XX/XX/XXXX. We requested to have PMI removed once again because we had increased our payments to pay off the difference needed and we were confident that we would have the value in our home because our area is very popular for families because of the school system. Again, XXXX XXXX came to appraise our home and even commented on the improvements that had been made ( outdoor kitchen, new roof, and granite countertops ). This time his appraisal was {$410000.00}, which is {$22000.00} less than it was 6 months prior by a different company. It needed to be {$420000.00}. I contacted Capital One and after their so-called investigation, they said that nothing could be done. I am not sure of my next course of action, so I am contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Payday loan debt) with Risecredit, LLC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I took out a loan with Rise credit for XXXX when and submitting the paperwork - it stated the estimated payment would be XXXX every two weeks. I have now been told that the payments are fluctuating because that first payment was only one day of fees. That was not disclosed and is completely unfair. I cant possibly afford fluctuating payments like this! 

I attempted to talk to there customer service department and there collection department, they only explained the payments fluctuate. What I want is to pay the XXXX every two weeks without compounding interest. 
From what rise is charging on a XXXX loan I would pay back close to XXXX - I need help and if I pay the XXXX every two weeks I will never get out of the hole the are putting me in. 
This company is robbing people!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Credit card) with Alliance Data Card Services (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I filed my taxes on XX/XX/XXXX, thinking I had all my papers in order. I felt the time limit for all papers, that showed taxable income was supposed to be sent to the consumer was by the end of XX/XX/XXXX 
I received a XXXX, from PayPal { XXXX } XXXX XXXX, XXXX. 
XXXX XXXX royal XXXX, XXXX. XXXX stating {$1200.00} of discharged debt. 
I feel this is unfair to send me this form at the XX/XX/XXXX of XX/XX/2017. as I now owe the IRS, an addendum to my taxes. 
This notice should have been sent to me a lot earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (VA mortgage) with U.S. BANCORP (TX).
Issue: Application, originator, mortgage broker

Complaint: I was denied a refinancing loan amongst other loans because a mortgage loan with US Bank reporting negatively on my credit report after it being closed since 2008.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Credit card) with Colony Brands, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i ave been dealing with seventh ave for a very long time regarding a fraudulent account open on my name they have been given me the run around i have sent them all requested paper work and they say they have no received it. every time i disputed with credit bureus they say s been verified but when i request proof they never send me anything. I HAVE ENCLOSED PROPER THEFT AFFIDAVIT ND POLICE REPORT. At one point i even tried to settle this account because it was causing me so much headache but why should i have to pay something that i did n't do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/21/2018 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Not my account. I need to see the original documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXXXXXXUnited States Phone:XXXXXXXXI have been called at XXXX in the morning to almost XXXX at night XXXX times a day. I have asked them to stop on several calls and the Reps all say they will not stop and they will call me whenever they feel like it. I have asked them on these several communications to please stop harrassing me they laugh and say " they will call as many times as they wish and no one can do anything about this '' They have also called me from personal cell phones at XXXX. They are trying to collect a debt that is over XXXX years old that I just do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: Ocwen Retention department has all the documents requested to finalize my modification per my relationship manager XXXX. However, Ocwen Retention department refuses to give me a modification because ever 90 days and this has been going on and on saying my documents have expired. My relationship manager said he sibmitted all of my documents and still know resolution. I was told because I have no bank account from a call from another rep on XX/XX/2018 my modification can not be aoproved.

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 08-01-2017 about Checking or savings account (Savings account) with HUNTINGTON NATIONAL BANK, THE (CO).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I am trying to close account XXXX. However, I live in Colorado and they are requiring me to visit a branch to close the account. I find it unreasonable to go to the nearest branch which is no where close to where i live to close my account. I tried calling their customer service and they told me to go to a branch. If huntington pays for my transportation and lodging I will visit a branch to close my account. Other than that I want them to close my saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AZ).
Issue: Other service problem

Complaint: XXXX and coinbase.com have absolutely nonexistent customer service and there is evidence accumulating that they are actually running a Ponzi scheme. I submitted a withdrawal increase request on XXXX XXXX, 2017 and despite stating that review takes 5 to 10 business days, they have yet to approve or deny my request. Multiple repeated attempts at contacting the customer service have been completely ignored. There is evidence that they are intentionally " losing '' large withdrawals ( on XXXX  ) and not approving withdraw increase requests because they only allow people to withdraw a sum smaller than they have coming in that day ( I.E. THEY ARE RUNNING A PONZI ).

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OH).
Issue: Deposits and withdrawals

Complaint: We recently found in our home filing cabinet a XXXX Savings Account passbook from XXXX that we completely had forgotten about. After researching on the internet, XXXX was taken over by Wachovia in XXXX and later in XXXX Wachovia was taken over by Wells Fargo Bank. After talking on the phone to a Wells Fargo Client Services representative the first time, he was unable to find anything in their system regarding my account, So as agreed, I sent a letter with scanned copies of the passbook along with a copy of my drivers license, to verify my identity. A month passed, and I received no feedback. So, I contacted them again and we went through the same process again ( i.e., checked their system by my name, my account number, social security number, etc. ) and no results. I again was instructed to write a " Letter of Instruction '' to a different address XXXX 

At this point I really feel I 'm getting the run-a-round especially since my research finds that Wells Fargo could be heading for some troubles.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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: TransUnion continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.

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 07/18/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015, I was making a purchase at Macy 's ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and was offered an additional discount if I " opened an account. '' I was under the impression that it was a loyalty account, but was told after entering personal information that it was for an application for a credit card. I was misled because the term credit was not used in the pitch. I made an immediate request to the store clerk to withdraw my application since I did not want my credit to be checked. 

The store clerk phoned Macy 's customer support, XXXX ( # XXXX ), and was escalated to XXXX ( # XXXX ), and was further referred to Macy 's Real Time Credit Card division, who I spoke with XXXX ( # XXXX ). I was told that my application was pending and that I would receive more information in the mail. Again, I requested to withdraw my application since my application was pending. 

My complaint was escalated to XXXX ( # XXXX ), who later retorted that my application was pending, and another request to withdrawal my application since the status was pending. It was then escalated to XXXX ( # XXXX ) who revealed that my application was an automated hard credit check and was declined. 

I had no intention of applying for a credit card and was misled into thinking that:1 ) the application was not for credit or a credit related product and2 ) that my application was pending, so the application could be withdrawn. 

These predatory lending tactics ( i.e. bait & hook at the point of sale, undisclosed verbiage, automated hard credit checks ) is misleading and is detrimental to my credit rating. 

I want the application for credit withdrawn and stricken from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: After falling behind on our mortgage in 2011, my ( then ) husband and I were forced to file for Chapter XXXX Bankruptcy. We completed our 5 years of payments and our bankruptcy was discharged roughly 30 days ago. We are battling with PNC mortgage on past due payments that should not be owed, PMI that should not be charged and escrow that is not calculated correctly, nor providing any statement on escrow.

Company response to consumer: Closed